Last Updated: 07/28/2025
Transcend Credit Union Prestige Visa® Credit Card
Unaffiliated
in Credit Cards from Transcend Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
8.90%(Verified 09/25/2024)
Balance Transfer APR (Fixed APR)
8.90%(Verified 09/25/2024)
Credit Score Range
670 - 850
Annual Fee
$0
Transcend Credit Union Prestige Visa® Credit Card Review
This is a travel card issued by Transcend Credit Union. If you're wondering whether Transcend Credit Union Prestige Visa® Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Transcend Credit Union Prestige Visa® Credit Card has a fixed purchase APR of 8.90%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption 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 Transcend Credit Union Prestige Visa® Credit Card
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Transcend Credit Union Prestige Visa® Credit Card FAQ
Does Transcend Credit Union Prestige Visa® Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for Transcend Credit Union Prestige Visa® Credit Card?
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.Transcend Credit Union Prestige Visa® Credit Card has a fixed purchase APR of 8.90%. The card has a fixed balance transfer APR of 8.90% . It also has a fixed cash advance APR of 8.90% .
Does Transcend Credit Union Prestige Visa® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Transcend Credit Union Prestige Visa® Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Transcend Credit Union Prestige Visa® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Transcend Credit Union Prestige Visa® Credit Card have a foreign transaction fee?
Transcend Credit Union Prestige Visa® Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Transcend Credit Union Prestige Visa® Credit Card?
The customer service number for Transcend Credit Union Prestige Visa® Credit Card is (502) 459-3000.
What is the login page for Transcend Credit Union Prestige Visa® Credit Card?
You can access the login page of Transcend Credit Union Prestige Visa® Credit Card here.
How do people rate the customer service and user experience of Transcend Credit Union Prestige Visa® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Transcend Credit Union perform a hard credit pull?
Yes, Transcend Credit Union Prestige Visa® Credit Card 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 Transcend Credit Union Prestige Visa® Credit Card
- Visit the website of Transcend Credit Union Prestige Visa® Credit Card.
- 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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Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:00PM
Tuesday
8:30AM - 4:00PM
Wednesday
8:30AM - 4:00PM
Thursday
8:30AM - 4:00PM
Friday
8:30AM - 6:00PM
Saturday
9:00AM - 12:00PM