- No annual fees
- No foreign transaction fees
- Fraud safeguards
- Customer support
- No cash advance fees
- No credit balance transfer fees
Apple Federal offers reward points for every purchase made using one of its credit cards. Three points are rewarded for every dollar spent on gas, two points rewarded for every dollar spent on groceries, and one point is rewarded for every dollar spent on all other purchases. Points can be redeemed for cash back, gift cards, travel, merchandise, or can be contributed to charity.
No Annual Fees
Credit card providers often charge annual or startup fees, which can cost cardholders hundreds of dollars. However, Apple Federal Credit Union does not charge any such fees to open or hold one of its credit cards.
No Foreign Transaction Fees
Foreign transaction fees are typically charged as a percentage of the total purchase amount for international charges. Apple Federal Credit Union does not charge any foreign transaction fees, making its cards good options for frequent travelers.
Apple Federal offers fraud safeguards, including a zero liability guarantee, emergency card replacement, account freezes, a 24-hour emergency call center, suspicious activity scans, and fraudulent activity notifications.
Apple Federal provides its customers with a 24/7 emergency call center. The company also offers a messaging service in addition to email, phone, and branch services.
No Cash Advance Fees
Credit card customers who need cash from a credit card account generally seek a cash advance. Cash advances sometimes incur a fee from the credit card provider in the form of either a percentage of the amount or a fixed rate fee. Apple Federal Credit Union does not charge any fees for cash advances.
No Credit Balance Transfer Fees
Oftentimes, consumers will transfer their credit card balance from an account with a higher APR to an account with a lower APR in an effort to pay off debts at a lower rate. While many companies in the industry charge a fee for this service, Apple Federal does not. Further, the credit union has no time limitations on free balance transfers.