As a member of the Sierra Central Credit Union, you have the opportunity to apply for the credit union’s Visa Gold credit card. It has a number of benefits, as well as no fee for annual membership. You also have access to all of the other financial offerings from Sierra Central.
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Credit cards are becoming almost a necessity these days and it is important to find the right one. A Gold Visa card from Sierra Central will bring you perks found with other gold cards, as well as lower rates because it’s from a credit union.
Terms of Sierra Central CU Visa Gold Credit Card
There is no annual fee to be a Sierra Central Gold cardholder. The interest rate is the same for both purchases and cash advances.
The current APR is 12.99%.
Unlike the APR for cash advances for which interest starts building right away, you have a grace period on the credit card of 25 days for purchases before they start accruing interest.
If you take out a cash advance for more than $200 in a day, you will be charged a $25 fee. Fees may also apply for late payments, foreign transactions, going over your limit of credit, document copies, and overdraft transfers. Visit the Federal Reserve for more information about card terms.
Benefits of the Sierra Central CU Visa Gold Credit Card
Depending on your credit history and current income, you may have a credit line that varies from $5,000 up to $10,000. You can use your Visa Gold around the world wherever Visa is accepted. With the Visa Gold you are able to take advantage of a couple of insurance coverages. One is coverage for car rentals and the other is for $150,000 worth of travel accident insurance.
Because the Visa is offered through Sierra Central Credit Union, you can enjoy a benefit that other credit card companies don’t necessarily offer. In order to protect you from overdrafting from your checking account, money from your credit card can cover the difference.
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