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  Provident Credit Union Visa Rewards Credit Card

Provident Credit Union Visa Rewards Credit Card

in Personal Credit Cards from Provident Credit Union

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Provident Credit Union Visa Rewards Credit Card

Unaffiliated

in Personal Credit Cards from Provident Credit Union

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Highlights
Purchase APR  (Variable APR) 11.65% - 16.65%
Balance Transfer APR  (Variable APR) 13.65% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Provident Credit Union Visa Rewards Credit Card Review

This is a rewards credit card issued by Provident Credit Union. If you're wondering whether Provident Credit Union Visa Rewards 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
  • Competitive APRs. Provident Credit Union Visa Rewards Credit Card has a variable purchase APR that ranges from 11.65% up to 16.65%.
  • 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.
  • 2% Balance transfer fee. Provident Credit Union Visa Rewards 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 $10.
  • 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 Visa Rewards Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 11.65%.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Travel accident insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Provident Credit Union Visa Rewards Credit Card is accepted.
  • Provident Credit Union Visa Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a 2% balance transfer fee.
Provident Credit Union Visa Rewards Credit Card FAQ

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

Provident Credit Union Visa Rewards Credit Card is a rewards card.

Provident Credit Union Visa Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Provident Credit Union Visa Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Provident Credit Union Visa Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Provident Credit Union Visa Rewards Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Provident Credit Union Visa Rewards 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 Visa Rewards Credit Card has a variable purchase APR that ranges from 11.65% up to 16.65%. The card has a variable balance transfer APR that ranges from 13.65% up to 18%. It also has a variable cash advance APR that ranges from 13.65% up to 18%. 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 Visa Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 11.65% for a period of up to 6 months.

Provident Credit Union Visa Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 11.65%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 13.65% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%

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

Provident Credit Union Visa Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 9.65%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 9.65% on qualified purchases for a period of up to 6 months.

What are the fees for Provident Credit Union Visa Rewards Credit Card?

The following fees apply:

  • An overlimit fee of $15.
Provident Credit Union Visa Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $15
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $15

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

Does Provident Credit Union Visa Rewards 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 Visa Rewards Credit Card?

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

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

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

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

Yes, Provident Credit Union Visa Rewards 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 Visa Rewards Credit Card

  • Visit the Provident Credit Union Visa Rewards 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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Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Introductory Rate 9.65%
Purchase Intro APR Period (Variable APR) 6 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Over-Limit Fee $15
Returned Payment Fee Up to $25
Late Fee Amount Up to $15
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
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 13.65% - 18%
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $35,000
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 11.65% - 16.65%
Balance Transfer Introductory APR (Variable APR) 11.65%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 13.65% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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