3 cards side by side

Secured Visa Smart Credit Card vs Orlando Credit Union SMART Credit Card vs Orlando Credit Union Xtreme Rewards Credit Card

At a glance

Lowest foreign transaction fee: Orlando Credit Union Xtreme Rewards Credit Card — 0%, vs Secured Visa Smart Credit Card 1% and Orlando Credit Union SMART Credit Card 1%.
Purchase interest (APR): not confirmed for Orlando Credit Union SMART Credit Card and Orlando Credit Union Xtreme Rewards Credit Card, so we don't say which is lower.
Same annual fee on all 3: $0.

Secured Visa Smart Credit Card compared with Orlando Credit Union SMART Credit Card compared with Orlando Credit Union Xtreme Rewards Credit Card
4 of 8 rows have data	Secured Visa Smart Credit CardOrlando Credit Union4 of 8 facts on file · annual fee checked Oct 2026	Orlando Credit Union SMART Credit CardOrlando Credit Union3 of 8 facts on file · annual fee checked Oct 2026	Orlando Credit Union Xtreme Rewards Credit CardOrlando Credit Union2 of 8 facts on file · annual fee checked Oct 2026
Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.	1%	1%	0%Lower
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Orlando Credit Union SMART Credit Card and Orlando Credit Union Xtreme Rewards Credit Card, so no card is marked lower.	12.99%–17.5%	Not confirmed	Not confirmed
Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.	$0No annual fee	$0No annual fee	$0No annual fee
Listed underThe sections of this site the card appears in.	Low Interest, Secured	Low Interest	Not confirmed
Apply	Apply	Apply	Apply

Secured Visa Smart Credit CardOrlando Credit Union4 of 8 facts on file · annual fee checked Oct 2026
Orlando Credit Union SMART Credit CardOrlando Credit Union3 of 8 facts on file · annual fee checked Oct 2026
Orlando Credit Union Xtreme Rewards Credit CardOrlando Credit Union2 of 8 facts on file · annual fee checked Oct 2026

Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.

Secured Visa Smart Credit Card: 1%
Orlando Credit Union SMART Credit Card: 1%
Orlando Credit Union Xtreme Rewards Credit Card: 0%Lower

Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Orlando Credit Union SMART Credit Card and Orlando Credit Union Xtreme Rewards Credit Card, so no card is marked lower.

Secured Visa Smart Credit Card: 12.99%–17.5%
Orlando Credit Union SMART Credit Card: Not confirmed
Orlando Credit Union Xtreme Rewards Credit Card: Not confirmed

Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.

Secured Visa Smart Credit Card: $0No annual fee
Orlando Credit Union SMART Credit Card: $0No annual fee
Orlando Credit Union Xtreme Rewards Credit Card: $0No annual fee

Listed underThe sections of this site the card appears in.

Secured Visa Smart Credit Card: Low Interest, Secured
Orlando Credit Union SMART Credit Card: Low Interest
Orlando Credit Union Xtreme Rewards Credit Card: Not confirmed

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Not confirmed for any of these cards: Top earn rates, Welcome offer, Rewards program, Network. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Secured Visa Smart Credit Card review Orlando Credit Union SMART Credit Card review Orlando Credit Union Xtreme Rewards Credit Card review

Questions

Frequently asked

Can I hold Secured Visa Smart Credit Card, Orlando Credit Union SMART Credit Card and Orlando Credit Union Xtreme Rewards Credit Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United States?

Every card in this comparison is issued for United States. Approval depends on each issuer's credit and income criteria.