Green & Gold Visa®
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Regular purchase APR
- 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
At a glance
The Green & Gold Visa® is the lowest APR credit card offered by the USF Federal Credit Union. Cardholders can enjoy a reduced APR for 12 months along with no annual fee or balance transfer fee.
Our review of the Green & Gold Visa®
If you’re a USF student, alumni, or faculty member looking for a credit card with the lowest interest rates, the Green & Gold Visa® is the perfect choice. This no-frills, no-annual-fee card offers a reasonable APR range, making it ideal for those who need to carry a balance. What sets this card apart is its generous 36-month intro period for balance transfers, making it a strong option for consolidating debt from higher-rate cards.
Perfect for Balance Transfers
The Green & Gold Visa® excels in balance transfers, offering one of the longest intro APR periods in the market at 36 months. With no balance transfer fees ever, cardholders have a valuable tool for managing their finances. While other cards may offer 0% APR for a shorter period, the Green & Gold Visa® provides a longer repayment timeframe, saving cardholders more money in the long run.
No Penalty APR
One of the standout features of the Green & Gold Visa® is the absence of a penalty APR. This leniency provides peace of mind to cost-conscious cardholders, especially in times of financial hardship or when building good financial habits.
Digital-Wallet Compatible & Security Features
This Visa card is compatible with popular digital wallets like Apple Pay, Google Pay, and Samsung Pay, adding convenience and security to transactions. EMV chip card technology and Visa credit card transaction alerts further enhance security measures.
Visa Protections & Insurance
As a traditional Visa card, the Green & Gold Visa® offers basic protections such as Roadside Dispatch, Zero Liability, Auto Rental Collision Damage Waiver, and Emergency Card Replacement & Cash Disbursement. However, advanced travel protections are limited, making this card less suitable for international travel.
Should You Apply for the Green & Gold Visa®?
While the Green & Gold Visa® may have the lowest APR among USF credit cards, its real value lies in its exceptional balance transfer benefits. With a 36-month intro APR period, this card is a practical choice for saving money on various loan scenarios, making it a valuable tool for students, alumni, and faculty members looking to manage debt effectively.
Overall, the Green & Gold Visa® is a straightforward card that excels in what it offers. For USF community members seeking a long-term balance transfer option with low APR and no annual fee, this card is a solid choice. Explore other USF CU credit card offers to find the best fit for your financial needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- USF FCU's lowest APR credit card
- No balance transfer fee
- Digital wallet compatible
Who this card may suit
- You value paying as little interest as possible over earning rewards on purchases
- You have recently graduated and need help affording student loan payments, specifically private or unsubsidized ones
- You already have an existing balance you would like to transfer and will do so within 90 days of opening the card
- You want the security of having a low APR after the introductory offer ends
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 13.49% to 17.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 2.99% for 12 months from account opening date |
| Balance Transfer APR | 13.49% to 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 13.49% to 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 2% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $30 |
| Return Payment Penalty Fee | Up to $25 |
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: Good Credit Fair Credit.
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Green & Gold Visa®
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