Last Updated: 04/18/2025
Michigan State University FCU Cash Back Visa
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
11.9% - 17.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.9% - 17.9%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
Michigan State University FCU Cash Back Visa Review
This is a cashback card issued by Michigan State University FCU. If you're wondering whether Michigan State University FCU Cash Back Visa is the right card for you, read on.
Key Takeaways
- APRs: Michigan State University FCU Cash Back Visa has a variable regular purchase APR that ranges from 11.9% up to 17.9%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Michigan State University FCU Cash Back Visa
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 11.9% up to 17.9% . The card has a variable balance transfer APR that ranges from 11.9% up to 17.9% .
It also has a variable cash advance APR that ranges from 11.9% up to 17.9% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 11.9% - 17.9% |
| Balance Transfer APR | 11.9% - 17.9% |
| Cash Advance APR | 11.9% - 17.9% |
| Penalty APR | 18% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of $25 .
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Late Payment Fee | $25 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program. The rewards program allows you to earn cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Michigan State University FCU Cash Back Visa
Contact
Headquarters
MSUFCU Headquarters
3777 West Road East Lansing, MI 48823
East Lansing, MI 48823
Hours of Operation
Sunday
Closed
Monday
6:00AM - 2:00AM
Tuesday
6:00AM - 2:00AM
Wednesday
6:00AM - 2:00AM
Thursday
6:00AM - 2:00AM
Friday
6:00AM - 3:00AM
Saturday
6:00AM - 12:00PM