Patriot Federal CU Cash Back Rewards VISA® Credit Card

Patriot Federal CU Cash Back Rewards VISA® Credit Card Review

This is a cashback card issued by Patriot Federal Credit Union. If you're wondering whether patriot federal credit union is the right card for you, read on.

Key Takeaways

• Competitive APRs. Patriot Federal CU Cash Back Rewards VISA® Credit Card has a variable purchase APR that ranges from 15.99% up to 17.99%.
• No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 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.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of patriot federal credit union

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99%. No balance transfer fee. No annual fee. Identity Theft Protection. Cardholders can earn rewards on their purchases. Patriot Federal CU Cash Back Rewards VISA® Credit Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

patriot federal credit union FAQ

Does patriot federal credit union have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

patriot federal credit union Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the patriot federal credit union benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for patriot federal credit union?

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.

Patriot Federal CU Cash Back Rewards VISA® Credit Card has a variable purchase APR that ranges from 15.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 17.99%. It also has a variable cash advance APR that ranges from 15.99% up to 17.99%.

What are the fees for patriot federal credit union?

The following fees apply:

Patriot Federal CU Cash Back Rewards VISA® Credit Card Fees

Description
Foreign Currency Transaction Fee	1%
No Annual Fee?
Annual Fee	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $25
Paper Statement Fee	$3
Late Fee Amount	Up to $25

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

Does Patriot Federal CU Cash Back Rewards VISA® Credit Card report your account activity to credit bureaus?

Yes, Patriot Federal CU Cash Back Rewards VISA® Credit 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 patriot federal credit union

• Visit the patriot federal credit union 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.