But noticed their VISA looked pretty amazing too. BTW, never been through the approval process for a VISA with a CU but I was impressed. It was much more personal and for people having credit issues, you have a chance to directly explain to the underwriter what is going on. They seemed to take FICO score only in determining borrowing rate.
In any case, you decide if this VISA credit card looks amazing:
- Basically there are no fees aside from $15 late payment. No foreign transaction fee, no balance transfer fee, no cash advance fee, no over the limit fee, no annual fee. Rewards program that basically does 1% cash back at worse (not sure how much better with airline miles etc.).
- The interest rate is freaking low. Something like Prime + X% depending on credit. For 720 FICO, you get their best rate which was sub 8%. 680 was sub 9%. This wasn't an intro rate but your regular rate. With the no cash advance fee, you can easily BT by getting cash advance and giving money to current card.
- Here is the bad part. SF Fire Credit Union is only open to firefighters or those living/working/worshipping in San Francisco, and relatives of members. But I would encourage those qualifying to look into it.