| Rewards | There is no rewards program associated with this card |
|---|---|
| Signup Bonus | No signup bonus |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 17.99% |
| Cash Advance Fee | $0 |
| Late Payment Fee | Up to $7 |
| Purchases APR | 17.99% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Stanford Federal Credit Union Secured Visa Credit Card is designed for people who want to build or rebuild credit. It has a $0 annual fee, no cash-advance fee, and a straightforward fixed APR, but it does not offer rewards or a signup bonus.
Most users say the card’s biggest advantages are its low fees and simple structure. Many reviewers mentioned that a secured card can be useful for establishing a positive payment history, while the lack of an annual fee makes it easier to keep open long term.
On the downside, some users may not like having to provide savings collateral for the credit limit. Others point out that there are no rewards, so the card offers little value beyond credit-building. Eligibility is also tied to Stanford Federal Credit Union membership.
Personally, I think this card makes the most sense for Stanford FCU members who need a straightforward secured card and want to avoid annual fees. If you already have good credit or want cash-back rewards, a regular rewards card may be more useful.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
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Steady Progress But fees sting
I got this card to rebuild credit, and while it reports consistently, annoying fees and slow score improvement maddest feel like more hassle than help.
