While most people who apply for credit cards have unique wants and needs, it is generally assumed that a low interest rate and no annual fee are two of the most important factors when comparing different credit cards. The Visa credit card from Notre Dame Federal Credit Union is an ideal card for you if these are your only criteria, as it offers a $0 annual fee and a very affordable annual percentage rate.
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Notre Dame FCU also offers two other types of credit cards, including the Visa Credit Builder, designed for individuals with no credit history or poor credit history, and the Visa Platinum, a high-end card with many benefits designed for people with excellent credit. The Visa platinum offers 1% cash back rewards to qualified cardholders. Also, all the Notre Dame FCU credit cards offer 0% APR on purchases and balance transfers for the first six months.
Applying for the Notre Dame FCU Visa Credit Card
With more than 10 branches located in and around South Bend, Indiana and Notre Dame University, it is simple to apply for the Notre Dame FCU Visa card. You can stop by a credit union branch, apply online, or call the toll-free customer service number and apply over the phone. In addition to the 10 branches local branches, the company offers over 4,000 shared branch credit union locations and over 32,000 surcharge-free ATMs nationwide.
Be sure to look at the different options available with each card before applying, so as to make sure your credit background matches the requirements set by Notre Dame FCU.
In addition, be certain that you can afford the additional debt and monthly payment associated with having a credit card.
More and more consumers are looking to reduce their credit card debt, according to an article from CNN Money. Your best bet is to make sure you can afford a credit card before you apply for it.
Rates and Fees for the Notre Dame FCU Visa Credit Card
As mentioned above, the Notre Dame FCU Visa card offers a special introductory annual percentage rate of 0% for all purchases made within the first six months after the card is open. In addition, the 0% interest rate offer also pertains to any balance transfer made with the card during that time.
When the six months has passed, the interest rate for purchases rises to 14.92%, while the rate for balance transfer reverts to 7.9%. The minimum credit limit for the card is $300 and the maximum is $25,000.
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