If you’re someone who has established some good credit after having a bumpy credit history, then a credit card for which you might qualify is the Visions Federal Credit Union MasterCard credit card. This MasterCard is not a bad credit MasterCard: Instead, it’s designed for people who can show their ability to make on-time payments regularly.
If you do need a bad credit credit card, we can help you find one for FREE using the tool on this page!
If you’re unsure of whether or not you can qualify for the Visions FCU MasterCard, you can call the credit union directly and ask them to tell you what the credit score requirements are to qualify. In addition, you can visit the Federal Reserve‘s Consumers Guide to Credit Cards and learn about the other criteria that Visions might consider.
Visions Federal Credit Union Credit Card Requirements
In addition to an established credit history with a good credit card payment history, you’ll also need to be a member of the Visions Federal Credit Union in order to apply for the MasterCard. In order to become a member, you have to live or work in one of the following New York counties or cities:
In addition, those of you who live in Bradford County, Pennsylvania, can also become a member of the Visions Federal Credit Union. You can actually open an account with Visions with no minimum deposit. However, if after 90 days your account is empty, you’ll be charged an $8 fee each month thereafter.
Visions Federal Credit Union MasterCard Credit Card Terms
The introductory credit card rate for this MasterCard is 5.9% APR for the first six months.
The APR, which is variable, will increase anywhere from 6% to 14% after the introductory offer is over.
The interest rate you receive will depend upon your overall credit score.
There is a $12 annual fee for the MasterCard and a 1% foreign transaction fee when you make foreign transaction. The late payment fee, over the limit fee, and returned payment fee are all between $15 and $20, depending on specific factors related to your credit card balance.
Visions Federal Credit Union MasterCard Credit Card Verdict
Visions FCU comes through again with another credit card with no fees and a low interest rate. If you meet the membership requirements and, of course, the credit requirements, you should seriously consider this credit card as an option.
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