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  Pelican State Credit Union Points Visa Credit Card

Pelican State Credit Union Points Visa Credit Card

in Personal Credit Cards from Pelican State Credit Union

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Pelican State Credit Union Points Visa Credit Card

Unaffiliated

in Personal Credit Cards from Pelican State Credit Union

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Highlights
Purchase APR  (Variable APR) 10.25% - 17.25%
Balance Transfer APR  (Variable APR) 10.25% - 17.25%
Credit Score Range 650 - 850
Annual Fee $0

Pelican State Credit Union Points Visa Credit Card Review

This is a rewards credit card issued by Pelican State Credit Union. If you're wondering whether Pelican State Credit Union Points Visa Credit 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
  • Signup bonus. Offers a signup bonus of 2500 points after spending $100 within 1 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Pelican State Credit Union Points Visa Credit Card has a variable purchase APR that ranges from 10.25% up to 17.25%.
  • 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.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Pelican State Credit Union Points Visa Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Pelican State Credit Union Points Visa Credit Card is accepted.
  • Pelican State Credit Union Points Visa Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Pelican State Credit Union Points Visa Credit Card FAQ

Does Pelican State Credit Union Points Visa Credit Card have a cash back or rewards program?

Pelican State Credit Union Points Visa Credit Card is a rewards card.

Pelican State Credit Union Points Visa Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 2500
Signup Bonus Spend Requirement $100
Signup Bonus Spend Period (months) 1 months

Does Pelican State Credit Union Points Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus after spending $100 that can be redeemed for travel, gifts, or other perks.

Does Pelican State Credit Union Points Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Pelican State Credit Union Points Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Pelican State Credit Union Points Visa Credit 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.

Pelican State Credit Union Points Visa Credit Card has a variable purchase APR that ranges from 10.25% up to 17.25%. The card has a variable balance transfer APR that ranges from 10.25% up to 17.25%. It also has a variable cash advance APR that ranges from 10.25% up to 17.25%.

Does Pelican State Credit Union Points Visa Credit Card have an intro APR offer on balance transfers?

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

Does Pelican State Credit Union Points Visa Credit Card 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 Pelican State Credit Union Points Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Pelican State Credit Union Points Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $5
Late Payment Fee up to $25

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

Does Pelican State Credit Union Points Visa Credit Card have a foreign transaction fee?

Pelican State Credit Union Points Visa Credit Card 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 support contact email for Pelican State Credit Union Points Visa Credit Card?

The support contact email for Pelican State Credit Union Points Visa Credit Card is info@pelicanstatecu.com.

How do people rate the customer service and user experience of Pelican State Credit Union Points Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Pelican State Credit Union Points Visa Credit Card report your account activity to credit bureaus?

Yes, Pelican State Credit Union Points 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 Pelican State Credit Union Points Visa Credit Card

  • Visit the Pelican State Credit Union Points Visa Credit 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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Pelican State Credit Union

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Availability

  Available in 1 state
Louisiana
Availabile in all of Louisiana

Feature Breakdown

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $5
Paper Statement Fee $5
Late Fee Amount Up to $25
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Rates
  • Every Purchase
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) 10.25% - 17.25%
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $35,000
Purchase APR (Variable APR) 10.25% - 17.25%
Balance Transfer APR (Variable APR) 10.25% - 17.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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