Based out of Torrance, California, the Honda Federal Credit Union offers two different credit cards to its customers: the Visa Classic and the Visa Gold. If you are searching for a basic credit card that allows easy access to everyday purchases without a lot of out-of-pocket expenses towards annual fees and interest, then the Visa Classic credit card is an excellent option.
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On the other hand, the Visa Gold offers a much higher potential credit limit in this low APR credit card, but is only available to individuals with excellent credit.
Honda FCU Visa Classic Credit Card Rates, Fees, and Details
The credit limit of the Honda Federal Credit Union Visa Classic card can be as high as $7,500, allowing you to make many necessary purchases. In addition, the Visa Classic card also offers an annual percentage rate of 11.5%, as well as no annual fee. This is a benefit to both types of credit card users: the ones that pay their balance off each month and the ones that don’t.
If you pay your credit card balance off each month, the card does not cost you any money out of pocket since there is no annual fee. If you maintain a balance, the 11.5% interest rate will keep finance charges to a minimum.
Like most other credit cards, the Honda Federal Credit Union Visa Classic credit card offers a grace period of 25 days to make payments.
If you are new to credit and credit cards, be sure to do research and learn as much as you can. Visiting sites such as the Better Business Bureau can help you in many ways, along with reading articles such as the BBB’s “Credit 101.”
Honda FCU Visa Classic Credit Card Benefits
With the Honda Federal Credit Union Visa Classic, you can set up automatic payments from your Honda FCU checking or savings account.
You also get the benefits associated with Visa credit cards, including free travel accident insurance when you book your trip with the Honda FCU Visa Classic card, as well as auto rental insurance coverage. The card is accepted worldwide everywhere that Visa is taken.
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