This low-rate credit card from the Publix Employee’s credit union also comes with an excellent rewards program. It is very rare to find a rewards credit card with such a low interest rate. This card is perfect for someone that does not want trade a great interest rate for a rewards program.
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If someone does choose a new credit card specifically for its reward program, they need to make sure that they are receiving all of their rewards. This article from the FOX Business website gives some tips for making sure you get the most bang from your credit card rewards program.
Publix Employee’s Federal Credit Union Visa Credit Card Rates and Fees
A holder of the Publix Employee’s FCU Visa credit card can expect an annual percentage rate up to 10.9% depending on their creditworthiness. Creditworthiness is the term credit card issuers use describe how much of a risk a cardholder is.
If the cardholder has a high credit score, they are less of a risk to a credit card issuer, so their interest rate is lower.
Since someone with a low credit score probably has a history of missed payments or defaulting on cards, they will have a higher interest rate because they are a greater risk for the provider.
There is no annual fee for this credit card and there is also no fee for going over the credit limit, making a balance transfer, or taking a cash advance. There is a foreign transaction fee of .8% and a 1% fee for converting international currency. There is a $20 penalty fee for late payments and, if the cardholder needs to replace their card, they will be charged a $10 replacement fee.
Publix Employee’s Federal Credit Union Visa Credit Card Perks
This Visa credit card from Publix Employee’s FCU is part of the ScoreCard Bonus Points program. The cardholder will earn one point for every dollar they spend. They will earn double points in November and December, which means two points for every dollar spent.
The points can be exchanged for special things like plane tickets and electronics. There is no limit to how many points the cardholder can earn and the points do not expire.
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