If you are a member of the Educators Credit Union and are looking for an option that offers a low credit card interest rate, you may want to look into the Educators Credit Union Visa Gold Credit Card. Along with a low interest rate it has a number of other benefits too.
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Educators Credit Union Visa Gold Credit Card Terms
The Visa Gold credit card from the Educators Credit Union does not have an annual fee. The credit limit on the card starts at a $2,000 minimum. The APR is a variable credit card interest rate so it varies based on the country’s Prime Rate, but the interest rate can be as low as 6.25%.
The Visa Gold card has a grace period of 25 days before interest starts accruing, although interest starts building day one for cash advances.
There are no transaction fees for cash advances or balance transfers. If you have a returned credit card payment, the fee is $30 and there is a $10 late payment fee after a grace period of 10 days.
If you have questions about credit cards and the different terms, you can visit the Federal Reserve Board’s website.
Educators Credit Union Visa Gold Credit Card Benefits
The Visa Gold credit card from the Educators Credit Union has a number of benefits for you to take advantage of. The card offers travel accident insurance of up to $400,000 for no charge. It is also a rewards credit card by offering scorecard reward bonus points.
The rewards points build up with every purchase you make with both your credit cards and debit cards and can be redeemed for a number of rewards. The nice thing about the rewards program is that you can combine your points from multiple cards that you have through the Educators Credit Union.
There is no minimum that you need to reach before earning points and there is no limit as to how much you can earn.
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- Grace Period