Shell FCU Visa Signature

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

• Competitive APRs. Shell FCU Visa Signature has a variable 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 your credit score is above 650.

Pros & Cons of Shell FCU Visa Signature

The Good

The Bad

Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on their purchases. Shell FCU Visa Signature reports to multiple credit bureaus.

Charges an annual fee of up to $45. Does not offer a signup bonus.

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.

Shell FCU Visa Signature Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Shell FCU Visa Signature benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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%.

What are the fees for Shell FCU Visa Signature?

The following fees apply:

Shell FCU Visa Signature Fees

Description
Cash Advance Fee Minimum	$0
Cash Advance Fee (%)	0%
Foreign Currency Transaction Fee	0%
No Annual Fee?
Annual Fee	Up to $45
No Interest Grace Period for Late Payment	21 days
Returned Payment Fee	Up to $25
Late Fee Amount	Up to $25

Does Shell FCU Visa Signature report your account activity to credit bureaus?

Yes, Shell FCU Visa Signature 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 Shell FCU Visa Signature

• Visit the Shell FCU Visa Signature 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.