APGFCU (Aberdeen Proving Ground Federal Credit Union) Classroom Supply Credit Card Review

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APGFCU (Aberdeen Proving Ground Federal Credit Union) Classroom Supply Credit Card Review

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This review is for the Aberdeen Proving Ground Federal Credit Union Classroom Supply Credit Card. As one of the many cards available from APGFCU, the card helps teachers build up reward points to help purchase classroom supplies.

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Details of the APGFCU Classroom Supply Credit Card

The APGFCU classroom supply credit card offers an extremely low variable annual percentage rate. The APR is calculated at prime + 0%, making it one of the lowest rates of any credit card.

Learn more about the prime rate at http://www.frbsf.org/education/activities/drecon/2005/0506.html

The credit limit, however, is only $1000. This is because the card is supposed to be used to only purchase classroom supplies. Classroom supplies generally do not cost more than $1,000, and the credit limit ensures that the card is not used for other purposes.

There is also no annual fee for the APGFCU, and there is never a fee for making a purchase with the card. For any purchase you make with the card, there is a 25-day grace period. If you pay off your balance before 25 days, you will not be charged interest.

Some cards charge a minimum amount for a finance charge. However, the APGFCU classroom rewards card does not.

Benefits of the APGFCU Classroom Supply Credit Card

The APGFCU classroom rewards credit card offers many benefits to the cardholder, including a zero liability program that protects you from unauthorized charges if your card was lost or stolen. The card is accepted at the many locations where Visa is accepted, and comes with an automatic $500,000 worth of travel accident insurance.

You can also receive emergency assistance anywhere in the world, as well as car rental insurance coverage. Cash advances, online bill payment, and the ability to manage your account completely online are additional benefits available to you as a cardholder.

APGFCU Classroom Supply Credit Card Bottom Line

With a very low APR and no annual fee, this card is perfect for a teacher or educator looking to have the ability to make purchases for their classroom while keeping costs down. Since the card has a credit limit capped at $1,000, the card is only beneficial for people who don’t need a high credit limit to make multiple purchases.

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