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  Provident Credit Union Travel Visa Signature Credit Card
Provident Credit Union Travel Visa Signature Credit Card Unaffiliated

Provident Credit Union Travel Visa Signature Credit Card

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Highlights
Purchase APR 12.99% - 15.99%
Balance Transfer APR 13.99% - 16.99%
Credit Score Range 650 - 850
Annual Fee $45

Provident Credit Union Travel Visa Signature Credit Card Review

This is a credit card issued by Provident Credit Union. If you're wondering whether Provident Credit Union Travel Visa Signature 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Provident Credit Union Travel Visa Signature Credit Card has a variable purchase APR that ranges from 12.99% up to 15.99%.
  • 2% Balance transfer fee. Provident Credit Union Travel Visa Signature Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $12.
  • 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 650.
Pros & Cons of Provident Credit Union Travel Visa Signature Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No foreign transaction fee.
  • Provident Credit Union Travel Visa Signature Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $45
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
Provident Credit Union Travel Visa Signature Credit Card FAQ

Does Provident Credit Union Travel Visa Signature Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

What are the Provident Credit Union Travel Visa Signature Credit Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Provident Credit Union Travel Visa Signature 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.

Provident Credit Union Travel Visa Signature Credit Card has a variable purchase APR that ranges from 12.99% up to 15.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 16.99%. It also has a variable cash advance APR that ranges from 13.99% up to 16.99%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Provident Credit Union Travel Visa Signature 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 up to 12 months.

Provident Credit Union Travel Visa Signature Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 13.99% - 16.99%
Balance Transfer Fee Minimum $12
Balance Transfer Fee % 2%

Does Provident Credit Union Travel Visa Signature Credit Card have an intro APR offer on new purchases?

Provident Credit Union Travel Visa Signature Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Provident Credit Union Travel Visa Signature Credit Card?

The following fees apply:

  • An overlimit fee of $10.
Provident Credit Union Travel Visa Signature Credit Card Fees
Fees Amount
Annual Fee $45
Overlimit Fee $10
Foreign Transaction Fee 0%
Returned Payment Fee up to $28
Late Payment Fee up to $28

Does Provident Credit Union Travel Visa Signature Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the support contact email for Provident Credit Union Travel Visa Signature Credit Card?

The support contact email for Provident Credit Union Travel Visa Signature Credit Card is efiel@providentcu.org.

What is the Provident Credit Union Travel Visa Signature Credit Card login page?

You can access the Provident Credit Union Travel Visa Signature Credit Card login page here.

How do people rate the customer service and user experience of Provident Credit Union Travel Visa Signature Credit Card?

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

Does Provident Credit Union Travel Visa Signature Credit Card report your account activity to credit bureaus?

Yes, Provident Credit Union Travel Visa Signature Credit Card reports your account activity to the following credit reporting agencies:

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 Provident Credit Union Travel Visa Signature Credit Card

  • Visit the Provident Credit Union Travel Visa Signature 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 - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Provident Credit Union

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View all credit cards offered by Provident Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period 12 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $45
Minimum Interest Charge $0.50
Over-Limit Fee $10
Returned Payment Fee Up to $28
Late Fee Amount Up to $28
Minimum Age 18
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 Categories
  • Every Purchase
Cash Advance APR 13.99% - 16.99%
Balance Computation average daily balance (including new purchases).
Penalty APR 18%
Purchase APR 12.99% - 15.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 13.99% - 16.99%
Balance Transfer Fee Minimum $12
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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