If you’re looking for a credit card that will help you reestablish your credit but isn’t a secured credit card, then you’ll want to review the Provident Credit Union Visa Classic credit card. This Visa Classic Credit card is specifically designed for people who have had bad credit in the past, and need to reestablish their credit history, or for people who have no credit history and need to start building some.
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Before you can apply for the Visa Classic, you do have to qualify to become a member of Provident Credit Union. Membership is only open to people who live in certain counties in California, and their immediate family members, as well as people who work at one of the 1,200 employer groups and/or associations that qualify for membership.
Provident Credit Union Visa Classic Credit Card Benefits
The Visa Classic credit card offers several benefits, including a couple that are unusual for a classic credit card geared towards helping to rebuild credit. Some of these benefits include:
- No annual fee
- Fixed APR
- Part of a rewards program
- 25-day grace period for new purchases
- Overdraft protection
- Zero liability fraud protection
- No balance transfer fee
Provident Credit Union Visa Classic Credit Card Terms
This Visa Classic credit card has an introductory APR of 10.65%. In accordance with the Federal Reserve, the introductory offer does last for six months.
The interest rate after that introductory APR expires is 16.65%.
This doesn’t change according to your credit score, and applies to everyone who qualifies for this credit card.
As such, if you have good credit, and can get a better APR, then you should try for a different credit card.
If you transfer a balance of $1,000 or more over to the Visa Classic credit card, then the APR will be 9.9%. For balance transfers of lesser amounts, the APR will be 16.65%.
Provident Credit Union Visa Classic Credit Card Rewards Program
The rewards program for the Visa Classic credit card is fairly simple. You can earn one CURewards point for every $1 that you spend. You can redeem points for merchandise, gift certificates, travel, and more. In addition, when you visit the CURewards website, you can purchase merchandise at a discounted rate.
Looking for more good credit cards that will help you build your credit? You can search for FREE with our tool on this page!
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