If you have struggled with credit card debt, or have a poor credit history and low credit score, your only option may be to apply for a secured credit card. Secured credit cards require you to make an initial deposit that acts as your credit line. However, the SecureCode credit card from USE Credit Union offers many benefits, including a very low annual percentage rate, which still makes it an attractive credit card option.
Determine the best secured credit cards for your budget for FREE from the comfort of your own home.
If you do not need a secured credit card, USE Credit Union also offers a traditional MasterCard. With a very low annual percentage rate, the ability to earn reward points, and no annual fee, the MarketPlace MasterCard from USE is a good choice if you have a credit score high enough to be approved.
Interest Rates and Fees for the USE CU MasterCard SecureCode Credit Card
The interest rate on this MasterCard SecureCode card is variable, but can be as low as 4.99%. This allows you to make a decision between paying your balance off each month and carrying a balance. In addition, the SecureCode card from USECU does not charge an annual fee.
In fact, you will have a difficult time finding any fees associated with this card.
There is no balance transfer fee, as well as no cash advance fee for the card. Additionally, there is no fee if you happen to go over your credit limit, as well as no fee if you close your account. There is a late fee, however, if you miss a payment.
If you find that you are consistently late with your credit card payments, you may want to look for some ways to manage your debt more effectively and efficiently. The Better Business Bureau recommends strategies and tips to avoid falling into debt.
Benefits of the SecureCode MasterCard Credit Card from USECU
In addition to the low rate and no fees, the SecureCode MasterCard does not require a credit check, so you can open the account no matter what your credit history. In addition, if you use your card to book travel, you are covered with travel insurance and assistance.
You can also access your account 24 hours a day online and, if you have any concerns during regular business hours, you can always visit a branch.
Don’t give up looking for that perfect credit card. There are many FREE and easy ways to find the right card!
- USE Credit Union MasterCard MarketPlace Credit Card
- First Savings Bank MasterCard Credit Card
- Amalgamated Bank MasterCard Secured Gold
- Amalgamated Bank MasterCard Secured Standard
- Capital One Secured MasterCard Credit Card
- Fifth Third Bank Secured Credit Card
- McCoy Federal Credit Union MasterCard Credit Card