Last Updated: 07/28/2025
Shell FCU Visa Signature Preferred
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.99%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
Up to $45
Shell FCU Visa Signature Preferred Review
This is a rewards card issued by Shell Federal Credit Union. If you're wondering whether Shell FCU Visa Signature Preferred is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 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 emergency support, extended warranty protection on purchases, identity theft protection, 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 Preferred
| The Good | The Bad |
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Shell FCU Visa Signature Preferred FAQ
Does Shell FCU Visa Signature Preferred have a cash back or rewards program?
Shell FCU Visa Signature Preferred is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | Up to 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | Up to 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | Up to 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Shell FCU Visa Signature Preferred have a signup bonus?
This card doesn't offer a cash signup bonus.Does Shell FCU Visa Signature Preferred offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Shell FCU Visa Signature Preferred benefits?
Shell FCU Visa Signature Preferred provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Shell FCU Visa Signature Preferred?
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 Preferred has a variable purchase APR of 17.99%. The card has a variable balance transfer APR of 17.99% . It also has a variable cash advance APR of 17.99% .
Does Shell FCU Visa Signature Preferred have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Shell FCU Visa Signature Preferred 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 Preferred?
| 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $45.
Does Shell FCU Visa Signature Preferred 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 Preferred?
The customer service number for Shell FCU Visa Signature Preferred is (713) 844-1100.
What is the support contact email for Shell FCU Visa Signature Preferred?
The support contact email for Shell FCU Visa Signature Preferred is Contactus@shellfcu.org.
How do people rate the customer service and user experience of Shell FCU Visa Signature Preferred?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Shell FCU Visa Signature Preferred report your account activity to credit bureaus?
Yes, Shell FCU Visa Signature Preferred 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 Preferred 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 Preferred
- Visit the website of Shell FCU Visa Signature Preferred.
- 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.
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
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Other Credit Cards from Shell Federal Credit Union
Rating not yet determined
Purchase APR
12.25% - 17.99%
Disclaimer popup with additional information
Balance Transfer APR
12.25% - 17.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
Up to $45
Rating not yet determined
Purchase APR
13.25% - 17.99%
Disclaimer popup with additional information
Balance Transfer APR
13.25% - 17.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
Up to $45
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