Credit union · NCUA insured
Ardent Credit Union Credit Card Rates
Ardent Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Ardent Credit Union’s credit card rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Ardent Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Ardent Credit Union
10.99%APR
- Up to
- —
VISA Classic Card
Lowest rate
APG Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Forge Credit Union
7.99%APR
- Up to
- 17.99% APR
Ardent Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ardent Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Classic Card
Fixed rate; tiered loan rate policy applies different loan rates based upon borrower's creditworthiness. Rate will not increase while the plan is open. No balance transfer fee. 25-day grace period for purchases. Foreign transaction fee 1.00%. Late payment fee up to $25 after 14 days. No rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Fixed purchase APR as low as 10.99% based on creditworthiness. Rate will not increase while credit plan is open. |
VISA Platinum Card
Fixed rate; tiered loan rate policy applies different loan rates based upon borrower's creditworthiness. Rate will not increase while the plan is open. Credit limits up to $25,000. 2.5% balance transfer fee. 25-day grace period for purchases. Foreign transaction fee 1.00%. Late payment fee up to $25 after 14 days. Includes 1.50% cash back with Ardent Cash Rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99% | None | Fixed purchase APR as low as 12.99% based on creditworthiness. Rate will not increase while credit plan is open. Cash advance APR as low as 12.99%. |
| Intro, 12 months | 0.00% | None | Expired balance transfer promotion: 0% introductory APR for 12 billing cycles on balance transfers of at least $1,500 from non-Ardent credit cards within 60 days of account opening for accounts opened between 11/12/2025 and 05/31/2026. 2.50% balance transfer fee. After promo period, fixed APR of 12.99%–17.99% applies. |
Who can join Ardent Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Prospective members anywhere in the country can join Ardent Credit Union by enrolling in the American Consumer Council (ACC), with enrollment facilitated by Ardent at no cost during account opening.
Employers and groups
- Employees of Ardent's Select Employee Group (SEG) partner organizations are eligible for membership.
Family and household
- Individuals are eligible for membership through qualifying immediate family or household members.
Membership information collected October 5, 2026.