If you’re looking to build your credit or simply want increased purchasing power, Aspire Credit Union has you covered with convenient credit cards to fit your needs. Whether it’s fixed interest rates, cash-back rewards, or no hidden fees, you can choose what’s important to you in a credit card. We offer a variety of options to fit your needs.
- 9.90% APR cardholder – WITH REWARDS, NO ANNUAL FEE
- 8.90% APR cardholder – NO REWARDS, NO ANNUAL FEE
- 7.90% APR Share Secured cardholder – NO REWARDS, NO ANNUAL FEE
- 5.90% APR Student cardholder – WITH REWARDS, NO ANNUAL FEE
Sign up for a credit card with Aspire Credit Union today!
Credit Cards – An Introduction
A credit card is a short-term loan given to a user (that’s you) in the form of a plastic card that can be used to pay for goods and services. Generally, the agreement is that you won’t be charged any additional fees/charges if you pay the borrowed amount back in full each month. However, if you only pay a portion, you’ll be assessed finance charges – usually calculated as a percentage of the total amount you owe.
A credit limit is NOT how much you can spend every day or every time you swipe your card; instead, your credit limit is the maximum dollar amount you can carry as a total balance.
When it comes to calculating interest, the main thing you need to know is your APR or Annual Percentage Rate. It’s your card’s finance charge expressed annually. This number is typically the biggest deciding factor in how much it will cost you to carry a balance on your credit card, making it important to know and understand.
Fraud is something to consider and it is something to take very seriously. We have added an additional security level to our credit cards; it is called Real-Time Decisioning. This system provides better detection and prevention of fraud.
If you’re in the market for a new Visa credit card, our credit union has a great option for you. We encourage you to take advantage of the rewards of 9.90% APR with our new Visa credit card!
Getting a credit card from Aspire means lower APRs, and great account security. Let us help you begin the process today!