Fort Bragg FCU Visa Credit Card

The Fort Bragg Visa Credit Card Review

The Fort Bragg Federal Credit Union Visa Card is a reliable low APR credit card that gives members of our Armed Services and their families the purchasing power they need – and the low-interest rates they want.

The Benefits of Credit Union Credit Cards

Credit union credit cards are different from card offerings from larger lenders, like Chase, because the credit unions themselves are far different than your typical national lenders.

Credit unions, like Fort Bragg FCU, are not-for-profit institutions, meaning they are run by – and for – the members they serve. Since these unions operate as non-profits, any financial windfalls are passed directly on to members. These windfalls may come as lower APR or dividends but are always in the best interest of members.

The Fort Bragg FCU Visa Features a Low APR

The Fort Bragg Visa Credit Card features an exceptional APR on purchases, balance transfers, and cash advances. While the exact interest rate will likely vary (based on the applicant’s creditworthiness and the current Prime Rate), those with excellent credit scores can expect a regular APR almost half of the national average of 17%, while those with less-than-perfect scores can still expect an interest rate that is highly competitive with anything else offered elsewhere.

No Hidden Fees

Like other credit union cards, the Fort Bragg FCU Visa Card doesn’t confuse holders with complex fee schedules or hidden charges. The card has no balance transfer or cash advance fees, no over-the0-limit fee, and no penalty APR. The Fort Bragg Visa also features no annual fees.

Things to Consider Before Applying

While the card lacks many fees, that doesn’t mean there aren’t some important things to consider before applying. While there is no fee for balance transfers, there is also no 0% introductory APR period either, meaning any transfers you conduct will immediately accrue interest.

Also, the card charges a foreign transaction fee of up to 1% of the transaction value in U.S. Dollars, meaning it may add additional costs when using it abroad. Fortunately, this is well-below the average foreign transaction fee of around 3%.

Finally, be aware that the Fort Bragg FCU Visa Card does not offer rewards of any type. There are no points, no miles, no cash back. The focus of this card is offering credit union members a great APR and no hidden fees – and nothing else.

Fort Bragg FCU Membership Requirements

Credit unions often have specific requirements to become a member- especially with federal credit unions – and this is the case with the Fort Bragg Federal Credit Union. Fort Bragg FCU restricts membership to those who meet the following criteria:

• Most individuals who either live, work, attend school, or worship in Cumberland County, North Carolina
• Those who are active or retired members of the United States Armed Forces
• Members of the Braxton Bragg Chapter of the Association of the United States Army (AUSA)
• Individuals who regularly work on Fort Bragg base
• Immediate family members of any of the individuals listed above

Should You Apply for the Fort Bragg Visa Credit Card?

While the Fort Bragg FCU Visa isn’t the most exciting credit card, it isn’t designed that way. The card’s purpose isn’t to provide impressive rewards or cash back with every purchase; instead, the card gives Fort Bragg FCU members a excellent interest rate and no hidden fees for balance transfers or cash advances.

Fort Bragg Credit Union is open to all members (past and present) of the U.S. Armed Forces, as well as their immediate family. For those, the Fort Bragg Visa is a decent option to consider. If a rewards credit card is something you have your heart set on, consider one of the many options from either Navy Federal Credit Union or USAA – both of which cater to military families. Otherwise, the Fort Bragg FCU Visa is a decent choice.