ASE Credit Union Share Secured Visa Card
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Card network
- Visa
- Regular purchase APR
- 8.99% to 17.99% variable based on creditworthiness and the Prime Rate
At a glance
Alabama State Employees Credit Union is a leading Alabama-based credit union that offers credit cards for everyday people. The ASE Credit Union Share Secured Visa Card is a secured credit card that can help open the door to a brighter credit future with timely payments and responsible credit use.
Our review of the ASE Credit Union Share Secured Visa Card
Looking to establish or rebuild your credit? The ASE Credit Union Share Secured Visa Card might be the perfect solution for you. This secured credit card requires an initial deposit, starting as low as $500, to open a line of credit. With responsible financial habits, you could potentially upgrade to an unsecured credit card in as little as one year
Why Choose a Secured Credit Card?
Secured credit cards are ideal for individuals with past credit issues or those new to credit. They provide a path to rebuilding credit through regular payments and financial discipline. By mastering key credit skills, such as paying your balance in full and keeping your credit utilization low, you can improve your credit score over time.
Perks of the ASE CU Share Secured Visa Card
The ASE Credit Union Share Secured Visa Card offers no annual fees, no fees for balance transfers or cash advances, and competitive fees for late payments and over-the-limit charges. Cardholders can earn rewards points on eligible purchases through the UChoose Rewards Program, which can be transferred to the unsecured ASE CU Visa for even more benefits.
Should You Apply for the ASE Credit Union Share Secured Visa Card?
Building credit may not be glamorous, but it’s essential. The ASE CU Share Secured Visa Card makes the process easy with its no annual fee and rewards program. Plus, with reporting to all three major credit bureaus, timely payments can help you graduate to an unsecured card sooner rather than later.
Ready to start your credit-building journey? Visit our Comprehensive Secured Card Reference Page for more information on secured credit cards and tips to improve your credit history. Check out other credit card offers to find the best option for your financial needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Build credit with regular payments
- Work your way up to an unsecured ASE Credit Union Visa in as little as one year
Who this card may suit
- You're new to credit or have a challenging credit history
- You already bank with Alabama State Employees Credit Union
- You want to earn rewards while they raise your credit score
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 8.99% to 17.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 8.99% to 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 8.99% to 17.99% variable based on creditworthiness and the Prime Rate |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. Dollars |
| Penalty APR | 18% |
| Late Payment Penalty Fee | $25 |
| Return Payment Penalty Fee | $30 |
| Over Limit Penalty Fee | $25 |
| Minimum Deposit Required | $500 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.
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ASE Credit Union Share Secured Visa Card
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