Northrop Grumman FCU Low Rate Visa Card

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.

• 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 odds if your credit score is above 600.

The Good	The Bad
Potentially 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.

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. This card has lower than average regular APRs.

Northrop Grumman FCU Low Rate Visa Card 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% .

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 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.