Last Updated: 07/28/2025
Shell FCU Visa Signature
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.25% - 17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
13.25% - 17.99%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
Up to $45
Shell FCU Visa Signature Review
This is a rewards card issued by Shell Federal Credit Union. If you're wondering whether Shell FCU Visa Signature is the right card for you, read on.
Key Takeaways
- APRs: Shell FCU Visa Signature has a variable regular purchase APR that ranges from 13.25% up to 17.99%.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Shell FCU Visa Signature
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Shell FCU Visa Signature FAQ
Does Shell FCU Visa Signature have a cash back or rewards program?
Shell FCU Visa Signature is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points - 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Shell FCU Visa Signature have a signup bonus?
This card doesn't offer a cash signup bonus.Does Shell FCU Visa Signature offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Shell FCU Visa Signature benefits?
Shell FCU Visa Signature provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Shell FCU Visa Signature?
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.Shell FCU Visa Signature has a variable purchase APR that ranges from 13.25% up to 17.99%. The card has a variable balance transfer APR that ranges from 13.25% up to 17.99%. It also has a variable cash advance APR that ranges from 13.25% up to 17.99%.
Does Shell FCU Visa Signature have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 13.25% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Shell FCU Visa Signature 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 Shell FCU Visa Signature?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $45.
Does Shell FCU Visa Signature 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 customer service phone number for Shell FCU Visa Signature?
The customer service number for Shell FCU Visa Signature is (713) 844-1100.
What is the support contact email for Shell FCU Visa Signature?
The support contact email for Shell FCU Visa Signature is Contactus@shellfcu.org.
What is the login page for Shell FCU Visa Signature?
You can access the login page of Shell FCU Visa Signature here.
How do people rate the customer service and user experience of Shell FCU Visa Signature?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Shell FCU Visa Signature report your account activity to credit bureaus?
Yes, Shell FCU Visa Signature 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 Shell Federal Credit Union perform a hard credit pull?
Yes, Shell FCU Visa Signature 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 Shell FCU Visa Signature
- Visit the website of Shell FCU Visa Signature.
- 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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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.
Hours of Operation
Sunday
Closed
Monday
7:30AM - 6:00PM
Tuesday
7:30AM - 6:00PM
Wednesday
7:30AM - 6:00PM
Thursday
7:30AM - 7:00PM
Friday
7:30AM - 7:00PM
Saturday
8:00AM - 12:30PM