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  Northrop Grumman FCU Low Rate Visa Card

Northrop Grumman FCU Low Rate Visa Card

in Personal Credit Cards from Northrop Grumman FCU

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Northrop Grumman FCU Low Rate Visa Card

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in Personal Credit Cards from Northrop Grumman FCU

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Highlights
Purchase APR  (Variable APR) 10.24%
Balance Transfer APR  (Variable APR) 10.24%
Credit Score Range 600 - 850
Annual Fee $0

Northrop Grumman FCU Low Rate Visa Card Review

This is a credit card issued by Northrop Grumman FCU. If you're wondering whether Northrop Grumman FCU Low Rate Visa Card 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
  • Competitive APRs. Northrop Grumman FCU Low Rate Visa Card has a variable purchase APR of 10.24%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 0.5% Balance transfer fee. Northrop Grumman FCU Low Rate Visa Card charges a fee of 0.5% on balance transfers. For example, a balance of $1,000 could cost $5 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Northrop Grumman FCU Low Rate Visa Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Northrop Grumman FCU Low Rate Visa Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 0.5% balance transfer fee.
  • Does not include many credit card benefits.
Northrop Grumman FCU Low Rate Visa Card FAQ

Does Northrop Grumman FCU Low Rate Visa Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Northrop Grumman FCU Low Rate Visa Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Northrop Grumman FCU Low Rate Visa Card?

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 variable purchase APR of 10.24%. The card has a variable balance transfer APR of 10.24% . It also has a variable cash advance APR of 10.24% .

Does Northrop Grumman FCU Low Rate Visa Card have an intro APR offer on balance transfers?

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

Does Northrop Grumman FCU Low Rate Visa Card have an intro APR offer on new purchases?

Northrop Grumman FCU Low Rate Visa Card Purchase Intro Offer
Description
Introductory Rate 4.99%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 4.99% on qualified purchases for a period of up to 6 months.

What are the fees for Northrop Grumman FCU Low Rate Visa Card?

The following fees apply:

  • An overlimit fee of $25.
Northrop Grumman FCU Low Rate Visa Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $25
Foreign Transaction Fee 0%
Returned Payment Fee $20

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Northrop Grumman FCU Low Rate Visa Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Northrop Grumman FCU Low Rate Visa Card?

The Northrop Grumman FCU Low Rate Visa Card customer service number is (800) 633-2848.

Does Northrop Grumman FCU Low Rate Visa Card report your account activity to credit bureaus?

Yes, Northrop Grumman FCU Low Rate Visa Card 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 Northrop Grumman FCU Low Rate Visa Card

  • Visit the Northrop Grumman FCU Low Rate Visa Card 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 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About Northrop Grumman FCU Low Rate Visa Card

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View all personal credit cards offered by Northrop Grumman FCU

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

Introductory Rate 4.99%
Purchase Intro APR Period (Variable APR) 6 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $5 - $75
Minimum Interest Charge $2
Over-Limit Fee $25
Returned Payment Fee $20
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 10.24%
Balance Computation a method called “average daily balance (including new purchases).”
Purchase APR (Variable APR) 10.24%
Balance Transfer APR (Variable APR) 10.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0.5%
Card Type
  • Low Interest
Card Network Visa

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