Last Updated: 07/28/2025
Park Community Credit Union Visa Classic Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.24% - 16.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
9.24% - 16.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Park Community Credit Union Visa Classic Credit Card Review
This is a rewards card issued by Park Community Credit Union. If you're wondering whether Park Community Credit Union Visa Classic Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Park Community Credit Union Visa Classic Credit Card has a variable regular purchase APR that ranges from 9.24% up to 16.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Park Community Credit Union Visa Classic Credit Card
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Park Community Credit Union Visa Classic Credit Card FAQ
Does Park Community Credit Union Visa Classic Credit Card have a cash back or rewards program?
Park Community Credit Union Visa Classic Credit Card is a rewards card.
| Description |
Does Park Community Credit Union Visa Classic Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Park Community Credit Union Visa Classic Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Park Community Credit Union Visa Classic Credit Card benefits?
Park Community Credit Union Visa Classic Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Park Community Credit Union Visa Classic Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Park Community Credit Union Visa Classic Credit Card has a variable purchase APR that ranges from 9.24% up to 16.99%. The card has a variable balance transfer APR that ranges from 9.24% up to 16.99%. It also has a variable cash advance APR that ranges from 9.24% up to 16.99%.
Does Park Community Credit Union Visa Classic Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.24% - 16.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Park Community Credit Union Visa Classic Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Park Community Credit Union Visa Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Park Community Credit Union Visa Classic Credit Card have a foreign transaction fee?
Park Community Credit Union Visa Classic Credit Card charges a foreign transaction fee of up to 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 Park Community Credit Union Visa Classic Credit Card?
The customer service number for Park Community Credit Union Visa Classic Credit Card is (502) 968-3681.
What is the support contact email for Park Community Credit Union Visa Classic Credit Card?
The support contact email for Park Community Credit Union Visa Classic Credit Card is marketing@parkcommunity.com.
What is the login page for Park Community Credit Union Visa Classic Credit Card?
You can access the login page of Park Community Credit Union Visa Classic Credit Card here.
How do people rate the customer service and user experience of Park Community Credit Union Visa Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Park Community Credit Union Visa Classic Credit Card report your account activity to credit bureaus?
Yes, Park Community Credit Union Visa Classic Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Park Community Credit Union perform a hard credit pull?
Yes, Park Community Credit Union Visa Classic Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Park Community Credit Union Visa Classic Credit Card
- Visit the website of Park Community Credit Union Visa Classic Credit Card.
- 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.
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