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  Metro Credit Union Visa Secured

Metro Credit Union Visa Secured

in Personal Credit Cards from Metro Credit Union

Unaffiliated

Metro Credit Union Visa Secured

Unaffiliated

in Personal Credit Cards from Metro Credit Union

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Highlights
Purchase APR  (Fixed APR) Starting at 15.9%
Balance Transfer APR  (Fixed APR) Starting at 15.9%
Credit Score Range 500 - 850
Annual Fee Up to $59

Metro Credit Union Visa Secured Review

This is a secured credit card credit card issued by Metro Credit Union. If you're wondering whether Metro Credit Union Visa Secured is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Metro Credit Union Visa Secured
The Good The Bad
  • Lower than average purchase APRs.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Metro Credit Union Visa Secured reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Metro Credit Union Visa Secured FAQ

Does Metro Credit Union Visa Secured have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Metro Credit Union Visa Secured benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Metro Credit Union Visa Secured?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a fixed purchase APR starting at 15.9% . The card has a fixed balance transfer APR starting at 15.9% . It also has a fixed cash advance APR starting at 15.9% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Metro Credit Union Visa Secured have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Metro Credit Union Visa Secured have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Metro Credit Union Visa Secured?

The following fees apply:

Metro Credit Union Visa Secured Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $10

Does Metro Credit Union Visa Secured have a foreign transaction fee?

Metro Credit Union Visa Secured charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Metro Credit Union Visa Secured?

The Metro Credit Union Visa Secured customer service number is (877) 696-3876.

Does Metro Credit Union Visa Secured report your account activity to credit bureaus?

Yes, Metro Credit Union Visa Secured reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Metro Credit Union Visa Secured

  • Visit the Metro Credit Union Visa Secured website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 5:00am - 2:00am
  • Tuesday 5:00am - 2:00am
  • Wednesday 5:00am - 2:00am
  • Thursday 5:00am - 3:00am
  • Friday 5:00am - 3:00am
  • Saturday 5:00am - 10:00am

About Metro Credit Union Visa Secured

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $0.95
Minimum Cash Advance Fee ($) Starting at $0.95
Foreign Currency Transaction Fee 1%
Annual Fee Up to $59
Minimum Interest Charge $0.50
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $10
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 15.9%
Balance Computation Average daily balance
Credit Limit $500 - $25,000
Penalty APR (Fixed APR) 18%
Purchase APR (Fixed APR) Starting at 15.9%
Balance Transfer APR (Fixed APR) Starting at 15.9%
Card Type
  • Secured
  • Low Interest
Card Network Visa

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