AgFed Credit Union Classic Visa Credit Card | Reviews

CARD OVERVIEW

The AgFed Credit Union Classic Visa is known as a simple, no-annual-fee card with straightforward rates and no rewards program. There’s no signup bonus, no cash-back perks, and no flashy extras — it’s meant to be a basic, low-maintenance credit card.

Most users say they like the predictability: the fixed purchase APR (17.90%), no annual fee, and AgFed’s generally responsive customer support. Many reviewers mentioned that it’s a solid choice for building or rebuilding credit without being pushed into a high-fee product.

On the downside, people often complain that the card feels too basic. There’s no rewards program, no intro bonus, and cash advances come with both a fee (3%) and a variable APR. A few users also note that the Classic card lacks the competitive perks other credit unions now offer.

Personally, I think the AgFed Classic Visa makes sense if you want a no-frills, low-cost card from a credit union and don’t care about earning points or cash back. But if you’re looking for rewards or modern card perks, you’ll find better value with AgFed’s Platinum Rewards card or other no-fee competitors.