The Visions Federal Credit Union Visa Classic credit card is a no-nonsense, low-fee credit card offered by Visions FCU. This Classic Visa credit card isn’t for people with bad credit. However there is a little bit of leeway for people who have a less-than-perfect credit history, but have at least two years of positive, solid credit performance.
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Before you can apply for the Visions FCU Visa Classic credit card, you must be a member of the Visions Federal Credit Union. You’ll find that Visions is located in Pennsylvania and New York, although only people in certain counties and cities in those two states will be able to qualify for membership.
Visa Classic Credit Card – Visions FCU Credit Card Benefits
As mentioned above, this is the no-nonsense credit card offered by Visions. As such, this Visa Classic credit card is not a rewards credit card. However, this doesn’t mean that there aren’t great benefits to choosing this Visa credit card.
For example, the Visa offers a $200,000 travel accident insurance policy when you use your credit card to pay for your travel options. This includes coverage for air, land, or sea travel.
In addition, there is no annual fee for the Visa Classic credit card and the maximum credit limit is $10,000.
With this credit card, you won’t be charged any fees for ATM usage, balance transfers, or cash advances.
The APR for this credit card starts at a little bit of a higher rate than some of the other credit cards offered by Visions. However, considering they have a little more flexible qualification process in terms of your credit history, the APR is still very good at a variable 9.75% to 12.75%, based on the prime rate.
Visa Classic Credit Card – Considerations
There are a couple of reasons why you may not want to choose this credit card. First of all, if you have excellent credit, Visions has other low interest rate credit cards for you to consider.
In addition, this isn’t a rewards credit card. Some of the other Visions credit cards also offer lower interest rates and rewards options than this card.
Visa Classic Credit Card – Verdict
Overall, the terms for this credit card are quite good. As mentioned above, if you have stellar credit, there are better options available for you. For the rest of you, this is definitely an option to consider.
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