Last Updated: 07/28/2025
Vital FCU VISA® Classic Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
10.90%(Verified 09/25/2024)
Balance Transfer APR (Fixed APR)
10.90%(Verified 09/25/2024)
Credit Score Range
N/A
Annual Fee
$0
Vital FCU VISA® Classic Credit Card Review
This is a card issued by VITAL Federal Credit Union. If you're wondering whether Vital FCU VISA® Classic Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Vital FCU VISA® Classic Credit Card has a fixed purchase APR of 10.90%
- 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.
- 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.
Pros & Cons of Vital FCU VISA® Classic Credit Card
| The Good | The Bad |
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Vital FCU VISA® Classic Credit Card FAQ
Does Vital FCU VISA® Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Vital FCU VISA® Classic 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.Vital FCU VISA® Classic Credit Card has a fixed purchase APR of 10.90%. The card has a fixed balance transfer APR of 10.90% . It also has a fixed cash advance APR of 10.90% .
Does Vital FCU VISA® Classic Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Vital FCU VISA® Classic Credit Card 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 Vital FCU VISA® Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Vital FCU VISA® Classic 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 customer service phone number for Vital FCU VISA® Classic Credit Card?
The customer service number for Vital FCU VISA® Classic Credit Card is (864) 948-8200.
What is the support contact email for Vital FCU VISA® Classic Credit Card?
The support contact email for Vital FCU VISA® Classic Credit Card is info@vitalfcu.com.
What is the login page for Vital FCU VISA® Classic Credit Card?
You can access the login page of Vital FCU VISA® Classic Credit Card here.
How do people rate the customer service and user experience of Vital FCU VISA® Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Vital FCU VISA® Classic Credit Card report your account activity to credit bureaus?
Yes, Vital FCU VISA® Classic Credit Card 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 VITAL Federal Credit Union perform a hard credit pull?
Yes, Vital FCU VISA® Classic 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 Vital FCU VISA® Classic Credit Card
- Visit the website of Vital FCU VISA® Classic 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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Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed