WalletHubLow membership feesQualify with limited or no credit historyDoes not require security depositNo rewardsForeign feeBeginnings Credit Union Classic Credit Card
Beginnings Credit Union Classic Credit Card
Credit Score
Fair Credit, Limited History, No Credit
Annual Fee
$15
APR on Purchases
15.15% - 20.25% (V)
Balance Transfer
APR: 15.65% - 20.75% (V)
Balance Transfer Fee
Beginnings Credit Union Classic Credit Card's Additional Info
Can help you build or rebuild credit.
Low $15 annual fee that is waived if a member maintains a Direct Deposit in a Beginnings Credit Union account or has a Beginnings Credit Union Mortgage.
Credit Limit $500 - $5,000.
| cash advance fee | 4% (min $10) |
| cash advance APR | 15.65% - 20.75% (V) |
| foreign transaction fee | 1% |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Beginnings Credit Union Classic Credit Card Pros & Cons
Low membership fees
Qualify with limited or no credit history
Does not require security deposit
No rewards
Foreign fee
Compare The Beginnings Credit Union Classic Credit Card vs. Popular Alternatives
annual fee$15 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR15.15% - 20.25% (V) | Regular APR13.5% - 18.00% (V) | Regular APR29.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Beginnings Credit Union Classic Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
- Most Popular
- Most Upvotes
People Also Apply For
Beginnings Credit Union Classic Credit Card Reviews
Share your insights and review for the Beginnings Credit Union Classic Credit Card
What's Your Rating?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
People Also Apply For
Offer last updated: Nov 19th, 2025 at 08:55 ET
People Also Apply For
