Last Updated: 07/28/2025
Proponent Federal Credit Union Visa Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.00% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
13.00% - 18.00%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Proponent Federal Credit Union Visa Credit Card Review
This is a secured credit rewards card issued by Proponent Federal Credit Union. If you're wondering whether Proponent Federal Credit Union Visa Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Proponent Federal Credit Union Visa Credit Card has a variable regular purchase APR that ranges from 13.00% up to 18.00%.
- 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 up to 1.00% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
Pros & Cons of Proponent Federal Credit Union Visa Credit Card
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Proponent Federal Credit Union Visa Credit Card FAQ
Does Proponent Federal Credit Union Visa Credit Card have a cash back or rewards program?
Proponent Federal Credit Union Visa Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Proponent Federal Credit Union Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Proponent Federal Credit Union Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Proponent Federal Credit Union Visa Credit Card benefits?
Proponent Federal Credit Union Visa Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Proponent Federal Credit Union Visa 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.Proponent Federal Credit Union Visa Credit Card has a variable purchase APR that ranges from 13.00% up to 18.00%. The card has a variable balance transfer APR that ranges from 13.00% up to 18.00%. It also has a variable cash advance APR that ranges from 13.00% up to 18.00%.
Does Proponent Federal Credit Union 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 Proponent Federal Credit Union 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 Proponent Federal Credit Union Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Proponent Federal Credit Union Visa Credit Card have a foreign transaction fee?
Proponent Federal Credit Union Visa Credit Card charges a foreign transaction fee of up to 1.00%. 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 Proponent Federal Credit Union Visa Credit Card?
The customer service number for Proponent Federal Credit Union Visa Credit Card is (800) 457-8058.
What is the support contact email for Proponent Federal Credit Union Visa Credit Card?
The support contact email for Proponent Federal Credit Union Visa Credit Card is membershipmatters@profcu.org.
What is the login page for Proponent Federal Credit Union Visa Credit Card?
You can access the login page of Proponent Federal Credit Union Visa Credit Card here.
How do people rate the customer service and user experience of Proponent Federal Credit Union Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Proponent Federal Credit Union Visa Credit Card report your account activity to credit bureaus?
Yes, Proponent Federal Credit Union Visa 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 Proponent Federal Credit Union perform a hard credit pull?
Yes, Proponent Federal Credit Union Visa 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 Proponent Federal Credit Union Visa Credit Card
- Visit the website of Proponent Federal Credit Union Visa 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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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