Provident Credit Union Travel Visa Signature Credit Card

Provident Credit Union Travel Visa Signature Credit Card Review

This is a rewards 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.

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. There is then a variable purchase APR that ranges from 12.99% up to 15.99%. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Provident Credit Union Travel Visa Signature Credit Card is accepted. 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. 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?

Provident Credit Union Travel Visa Signature Credit Card is a rewards card.

Provident Credit Union Travel Visa Signature Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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

It provides the following benefits:

• Zero fraud liability
• 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.

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 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:

• 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 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.