VISA Classic — Ardent Credit Union

VISA Classic — Ardent Credit Union is a personal credit card from Ardent Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 10.99% to 16.99%, based on creditworthiness.

Other Ardent Credit Union cards & products

• VISA Platinum — Personal Credit Card

Sources & citations

• Annual fee: https://www.ardentcu.org/borrow/credit-cards (checked 2026-10-23)
• APR: https://www.ardentcu.org/getmedia/0931da4c-b05a-4b75-a593-713ed7edda69/Application-and-Solicitation-Disclosure-June-1-2026.pdf (checked 2026-10-23)
• Credit bureau: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Had-To-Add-Another-CU-Approval/m-p/6228511#M723593 (checked 2026-10-20)