If you are looking for your first credit card or just want a card for basic use, you may want to check out the SACU Visa Classic credit card. It is a card that is accepted throughout the world and has no fee to use. You are protected against fraudulent card usage and it can be used to get cash advances if needed.
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The Visa Classic card from San Antonio Credit Union is available only to members of the credit union. The financial institution offers multiple benefits and perks, including low interest rate credit cards and other loans.
SACU Visa Classic Credit Card Terms
The interest rate for the Classic Visa is a variable rate and it is based on your credit score.
It can be as low as 12.75%, and for the first six months as a cardholder you can enjoy an introductory rate of 10.9%.
The same rates apply for cash advances.
If you choose to transfer a balance to the credit card you will be charged a rate of 10.75%, which is lower than most transfer rates. There is no grace period for your balance transfers or advancing of cash, but you do have 25 days to pay for purchases before interest kicks in.
If you use the card outside of the United States you will be charged a 1% foreign transaction fee. There is no fee for exceeding your credit limit or for annual membership, but there is a $25 fee for both late payments and returned payments.
San Antonio Credit Union Membership Information
You can only apply for the SACU Visa Classic credit card if you are a credit union member. To become a member you must be related to a SACU member or be a current or retired worker at a business that sponsors membership at SACU. This includes individuals who live not only in San Antonio, but in Houston as well.
If you meet the eligibility requirements but are not sure if a credit union is a good choice, you can find out more at the website for My Credit Union.
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