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Y-12 Visa Secured Credit Card
Y-12 Visa Secured Credit Card
- 17.99% variable based on the Prime Rate Regular Purchase APR
- 17.99% variable based on the Prime Rate Balance Transfer APR
- 17.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Rebuild your credit with the Y-12 Visa Secured Credit Card and enjoy no annual fee or balance transfer fee –perfect for those looking to consolidate their debt. Minimum security deposit is $500 and cardholders will have the potential to be upgraded to the unsecured Y-12 Gold or Signature Visa card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer fee
- Visa Credit Card benefits and protections
- Make payments with online or mobile banking
- Regular Purchase APR: 17.99% variable based on the Prime Rate
- Balance Transfer APR: 17.99% variable based on the Prime Rate
- Cash Advance APR: 17.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: $500
- You want to rebuild a poor credit score
- You may need to carry over a balance or have difficulty paying in full each month
- You have used payday advances or other short-term loans
- You want the option to start earning credit card rewards within a year
- You're a member of Y-12 Federal Credit Unio
Choice Rewards World Mastercard®
Choice Rewards World Mastercard®
- 13.25% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.25% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.25% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Choice Rewards World Mastercard® from First Tech Federal Credit Union offers cardholders a range of benefits. There are no annual fees and no fees on many common transactions. Additionally, cardholders can earn double rewards points on many types of purchases and 20,000-point bonus within the first 60 days of opening an account. Find out more about this card’s attractive features below.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% Introductory APR on balance transfers for the first 12 months
- No annual fee
- No fees on foreign transactions, cash advances, and balance transfers
- Earn 20,000 bonus points when you spend $3,000 in the first 60 days
- Regular Purchase APR: 13.25% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 13.25% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.25% to 18.00% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You want a credit card that offers rewards points that never expire
- You want to earn 20,000 bonus points when you spend $3,000 in the first 60 days
- You don’t want to pay an annual fee or fees on foreign transactions, balance transfers, or cash advances
- You want 0% introductory APR for balance transfers for 12 months
University Credit Union Secured Mastercard
University Credit Union Secured Mastercard
- 9.00% Regular Purchase APR
- 9.00% Balance Transfer APR
- 9.00 Cash Advance APR
At a Glance
The University Credit Union Secured Mastercard is a great way to rebuild credit or establish a solid credit history – especially if you are a South Florida student. The card offers a very low fixed APR of 9% for balance transfers, purchases, and cash advances, no annual fees, and the suite of protections and benefits cardholders have come to expect from a worldwide leader like Mastercard.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Build credit without any hidden fees
- Low fixed APR
- Regular Purchase APR: 9.00%
- Balance Transfer APR: 9.00%
- Cash Advance APR: 9.00
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $500
- You're a member of the University Credit Union or live in South Florida
- You want a secured card with an exceptionally low APR
- You want to rebuild or establish your credit score
- You want a straightforward credit card experience
Air Force Federal Credit Union Visa Platinum
Air Force Federal Credit Union Visa Platinum
- 15.75% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.75% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.75% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Air Force Federal Credit Union Visa Platinum card wants to make credit simple, so it offers the same low rates across all its features. If you join this credit union, you’ll have one APR for purchases, balance transfers, and cash advances for maximum convenience. Not to mention, you’ll earn steady rewards to cash in for merchandise. Though there are membership qualifications to meet, military affiliation is not necessarily required to join.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Low APRs for purchases, balance transfers, and cash advances
- No annual fee
- Earn rewards on all purchases
- Regular Purchase APR: 15.75% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.75% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $2 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 15.75% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Penalty APR: 18.00%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $37
- Return Payment Penalty Fee: Up to $25
- Over Limit Penalty Fee: Up to $25
- You live or work in Texas, Mississippi, Louisiana, Arkansas, or Oklahoma
- You meet the membership qualifications or are willing to join the Airmen Heritage Foundation
- You want the same interest rates for purchases, balance transfers, and cash advances
- You need a card with no annual fee and low additional fees, but still want to earn rewards
USAA Secured Visa® Platinum Credit Card
USAA Secured Visa® Platinum Credit Card
- 27.9% variable based on the Prime Rate Regular Purchase APR
- 27.9% variable based on the Prime Rate Balance Transfer APR
- 27.9% variable based on the Prime Rate Cash Advance APR
At a Glance
The USAA Secured Visa Platinum can help you establish a positive credit history with regular payments and responsible use. There are no foreign transactions or annual fees for members.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Build credit with on time payments and responsible use
- Visa Platinum protections, including Zero Fraud Liability
- Regular Purchase APR: 27.9% variable based on the Prime Rate
- Balance Transfer APR: 27.9% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each Balance Transfer.
- Cash Advance APR: 27.9% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each Cash Advance. Fee waived when transferring funds electronically to a USAA deposit account.
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- Minimum Deposit Required: $250
- You qualify for USAA membership
- Your credit history is damaged or non-existent
- You do't want to pay an annual fee
Insight Visa Secured Credit Card
Insight Visa Secured Credit Card
- *See Terms Regular Purchase APR
- *See Terms Balance Transfer APR
- *See Terms Cash Advance APR
At a Glance
The Insight Visa Secured Credit Card is an essential tool for those who are looking to rebuild or establish their credit score. The card, an offering from Insight Credit Union in Florida, is basic but is a great way for college students, those new to credit, or anyone who has experienced a few bumps in the financial road to building a positive credit history with regular payments.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Rebuild your credit score or establish a positive credit history
- Enjoy Visa protections
- Regular Purchase APR: *See Terms
- Balance Transfer APR: *See Terms
- Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: *See Terms
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You have no prior credit history
- You want to rebuild your credit score
- You already bank with Insight Credit Union
- You do't want to pay an annual fee
SLFCU Visa Signature Business Card
SLFCU Visa Signature Business Card
- 12.50% variable based on the Prime Rate Regular Purchase APR
- 12.50% variable based on the Prime Rate Balance Transfer APR
- 12.50% variable based on the Prime Rate Cash Advance APR
At a Glance
The SLFCU Visa Signature Business from Sandia Laboratory Federal Credit Union is a business credit card that offers a yearly 1% rebate on purchases and a low APR every day. The card also features no annual membership fee, no fee for balance transfers, and the benefits and protections that come from a Visa Signature Business credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 1.00% year-end rebate on purchases
- No annual fee
- No balance transfer fees
- Regular Purchase APR: 12.50% variable based on the Prime Rate
- Balance Transfer APR: 12.50% variable based on the Prime Rate
- Cash Advance APR: 12.50% variable based on the Prime Rate
- Cash Advance Transaction Fee: $5
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $25
- Over Limit Penalty Fee: $25
- You already bank with Sandia Laboratory Federal Credit Union
- You want a low APR and basic cash back each year
- You want Visa Signature travel protections
- You plan to issue additional employee cards to maximize your rewards rebate
SchoolsFirst FCU Share Secured Mastercard® Credit Card
SchoolsFirst FCU Share Secured Mastercard® Credit Card
- 13.90% Regular Purchase APR
- 13.90% Balance Transfer APR
- 13.90% Cash Advance APR
At a Glance
The SchoolsFirst FCU Share-Secured Mastercard® Credit Card is a decent secured card that struggles due to its high refundable deposit requirements.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Establish or re-establish your credit history with this secured credit card
- Get a credit limit with a deposit between $500 and $5,000
- Get Mastercard Enhanced ID Theft Protection to monitor your identity
- Compatible with Apple Pay
- Regular Purchase APR: 13.90%
- Balance Transfer APR: 13.90%
- Cash Advance APR: 13.90%
- Penalty APR: 17.40%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- Minimum Deposit Required: $500
- You want to rebuild a bad credit score
- You're new to credit
- You can afford to part with at least $500 while your account is open
- You do't want to pay an annual fee
Quorum RateWise Mastercard®
Quorum RateWise Mastercard®
- 12.9% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.9% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.90% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
With no annual fees or balance transfer fees, a competitively low APR and low cash advance fees, the Quorum RateWise Mastercard® is a great no-frills credit card offer for anyone looking to enjoy daily savings as they build their credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Features Tap & Go contactless technology; compatible with digital wallets
- No annual fee and no balance transfer fees
- Low cash advance fee with a $25 cap
- Same APR for purchases, cash advances, and balance transfers
- Regular Purchase APR: 12.9% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.9% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.90% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 2% of the amount of each cash advance, whichever is greater (max $25)
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You want a card with no annual fee and no balance transfer fees
- You want a low APR (based on your creditworthiness)
- You want the perks that come with being a Mastercard® cardholder
- You want a card with contactless technology
America First Credit Union Visa Share Secured Credit Card
America First Credit Union Visa Share Secured Credit Card
- 10.5% variable based on the Prime Rate Regular Purchase APR
- 10.5% variable based on the Prime Rate Balance Transfer APR
- 10.5% variable based on the Prime Rate Cash Advance APR
At a Glance
The America First Credit Union Visa Share Secured Card is a quality secured credit card with no annual fee. The card, from America First Credit Union, features an excellent, fixed APR and basic Visa Classic credit card protections.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Credit limits start from $500
- Low regular rates for purchases
- Travel emergency assistance included
- Regular Purchase APR: 10.5% variable based on the Prime Rate
- Balance Transfer APR: 10.5% variable based on the Prime Rate
- Cash Advance APR: 10.5% variable based on the Prime Rate
- Cash Advance Transaction Fee: 1.5% of the amount of each cash advance
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Minimum Deposit Required: $500
- You have bad credit or no credit history
- You're an America First member or live in Utah or select Nevada counties
- You don’t want to pay an annual fee
You've viewed 5 of 149 credit cards
What is a Credit Union?
A credit union is a financial cooperative that is owned and operated by its members. It is designed to provide a range of financial services, including savings and checking accounts, loans, and other financial products.
Similarly, credit union credit cards are offered by credit unions, which are not-for-profit financial institutions owned by their members. These credit cards work similarly to traditional bank-issued credit cards, allowing you to make purchases and borrow money up to a certain credit limit.
How Do Credit Unions Differ from Banks?
As mentioned, credit unions are community banks and financial institutions. Here’s a detailed breakdown of how credit unions differ from traditional banks:
Ownership and Structure:
- Credit Union:Credit unions are owned by their members, the customers. Members elect a volunteer board of directors and have a say in how the credit union is run.
- Traditional Bank:Traditional banks are typically owned by shareholders and run by a paid board of directors. Customers do not have a direct ownership stake in the bank.
Profit Motive
- Credit Union:Credit unions are not-for-profit organizations. This means that any profits made are returned to members through better interest rates on savings, lower fees, and competitive loan rates.
- Traditional Bank:Traditional banks are for-profit entities that aim to maximize shareholder value. This can result in higher fees and lower interest rates for customers.
Membership and Eligibility
- Credit Union:Membership in a credit union is often based on a common bond, such as employment in a certain industry, living in a specific area, or belonging to a particular organization. However, many credit unions have expanded their membership criteria to be more inclusive.
- Traditional Bank:Traditional banks are open to the general public, and anyone can become a customer regardless of their affiliations or, in some instances, geographic location.
Services
- Credit Union:Credit unions offer a similar range of services to traditional banks, including savings and checking accounts, loans, credit cards, and other financial products. They may also have a focus on financial education and community initiatives.
- Traditional Bank:Traditional banks also provide a wide range of financial services, including investment products, wealth management services, and international banking.
Regulation
- Credit Union:Credit unions are regulated at the state or federal level, and they are often subject to oversight by the National Credit Union Administration (NCUA) in the United States.
- Traditional Bank:Traditional banks are regulated by federal and state banking regulators, such as the Federal Reserve, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC).
It’s worth noting that while credit unions are not FDIC-insured, they are insured by the NCUA for up to $250,000, meaning credit unions are just as safe as your national bank.
Benefits Of a Credit Union Credit Card
Credit union credit cards feature many of the same benefits as credit cards from banks like Bank of America, Chase, or USAA. In addition, these cards provide quirks and perks that bigger banks can’t match:
Lower APR
One of the major benefits of credit union credit cards is that they tend to have lower interest rates compared to traditional bank-issued credit cards. This can save you money in the long run, especially if you tend to carry a balance on your credit card.
Lower Fees
In addition to lower interest rates, credit union credit cards often have lower fees. This can include annual fees, balance transfer fees, cash advance fees, and foreign transaction fees. By choosing a credit union credit card, you can avoid or minimize these fees, ultimately saving you money.
Personalized Customer Service Support
Credit unions are known for their personalized customer service. You can expect to receive the individual attention and support you deserve with a credit union credit card. Whether you have questions about your account or need assistance with a transaction, the credit union staff will be there to help.
Limitations of Credit Union Cards
Credit union cards offer significant value to many credit card consumers, especially when it comes to securing a great interest rate. However, there are some drawbacks to credit union cards as well. These drawbacks are most closely associated with the low-interest rates these community banks offer.
Fewer Card Options for Bad Credit
Credit unions tend to offer fewer credit products than larger banks, making it more difficult for those less-than-perfect credit to get accepted for a credit card. Due to their low APR rates and relatively small cash reserves, credit unions are more likely to expect an applicant to have excellent credit or at least good to very good credit.
Eligibility Requirements
Before applying for a credit union credit card, be sure to check your credit score to ensure you meet the credit requirements. Merely being a member isn’t enough. That said, sometimes joining a credit union can be tricky, so make sure you are eligible first.
Smaller Welcome Bonuses
Credit unions are member-owned, meaning you can expect the lowest possible rate on credit cards and loans. However, the members-first approach often results in smaller introductory bonuses on cards.
Longer Application Process
Because credit unions require joining the union before applying, many credit card applications take significantly longer than applications with bigger banks.
Tips for Using Your Credit Union Credit Card Wisely
Using your credit union credit card wisely can help you maximize its benefits while avoiding financial pitfalls. Here are some tips for using your card responsibly:
- Pay your balance in full each month: Aim to pay your credit card balance in full each month. This will help you avoid paying interest on your purchases and ensure you’re not accumulating unnecessary debt. By paying your balance in full, you can enjoy the convenience of a credit card without the burden of interest charges.
- Keep your credit utilization low: Credit utilization refers to the percentage of your available credit that you’re using. Keeping your credit utilization below 30% is generally recommended to maintain a good credit score. By keeping your balances low relative to your credit limit, you demonstrate responsible credit management to lenders.
- Avoid unnecessary debt: While credit cards can be convenient for making purchases, it’s important to avoid unnecessary debt. Before making a purchase, consider whether you can pay off the balance in full when the bill arrives. If not, waiting until you have the funds available may be best.
- Review your statements: Take the time to review your credit card statements regularly. This will help you identify any errors or fraudulent charges and ensure that your balances are accurate. If you notice any discrepancies, contact your credit union immediately to address the issue.
- Understand your rewards program: If your credit union credit card offers a rewards program, like CU Rewards or other group rewards plans, take the time to understand how it works. Familiarize yourself with the types of rewards offered, how they can be redeemed, and any limitations or restrictions.
Conclusion
Choosing a credit card from a credit union can offer several advantages, including potentially lower fees, competitive interest rates, and a member-focused approach to customer service. Credit unions often emphasize financial education and community involvement, which can appeal to individuals seeking a more personalized banking experience. However, it’s important to consider the potential limitations, such as membership eligibility requirements and a potentially more limited branch and ATM network compared to larger banks.
When considering a new credit union credit card, it’s essential to carefully assess its terms and features, including the interest rates, fees, rewards programs, and any additional benefits. You can make informed decisions that align with their financial needs and goals by conducting thorough research and comparing various credit union credit card options.
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Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.