| Rewards | Receive 0.50% cashback rebate for net monthly purchases up to the first $1,500, 1.00% cashback rebate for remainder net monthly purchase over $1,500, and an additional 1.25% on all gas purchases. |
|---|---|
| Signup Bonus | There is no signup bonus. |
| Annual Fee | $25 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | 3.00% of the amount of each cash advance |
| Late Payment Fee | $30.00 or the amount of the required minimum payment, whichever is less, if your payment is 10 or more days late. If you fail to make a timely payment in any of the six billing cycles following the initial late payment, the fee increases to $35.00 or the amount of the required minimum payment, whichever is less. |
| Purchases APR | 17.90% APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The AgFed Credit Union Secured Visa Credit Card is known for being a straightforward rebuilding tool with no annual fee, a variable purchase APR around what you’d expect for a secured product, and standard fees like a 3% cash-advance fee and a late-payment fee that starts at $30. There are no rewards, intro bonuses, or flashy perks — it’s a bare-bones card designed for credit building.
Most users say they appreciate how simple and predictable it is. Many reviewers mention that AgFed’s customer service feels more personal than big-bank options, and people like that the card reports to all three major credit bureaus, which helps with rebuilding.
On the flip side, users often complain about the lack of rewards, the higher APR, and the fact that the card doesn’t offer automatic graduation to an unsecured version. A few also point out that the website and online tools feel a little outdated.
Personally, I think this card is best for someone who wants a low-friction, credit-repair option backed by a credit union rather than a megabank. If you need perks or expect rapid upgrades, you’ll probably find better value elsewhere — but for steady, no-nonsense credit building, it gets the job done.
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