Mountain America CU Cash Back Credit Card
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| Purchase APR (Variable APR) |
12.75 - 18.0 (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
12.75 - 18.00 (Verified 08/04/2023) |
| Annual Fee | $0 |
| Credit Score Range | 650 - 850 |
Mountain America CU Cash Back Credit Card Review
This is a cashback card issued by Mountain America Credit Union. If you're wondering whether Mountain America CU Cash Back Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Mountain America CU Cash Back Credit Card has a variable purchase APR that ranges from 12.75% up to 18.0%.
- 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 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Mountain America CU Cash Back Credit Card
| 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 12.75% up to 18.0%. The card has a variable balance transfer APR that ranges from 12.75% up to 18.00%.
It also has a variable cash advance APR starting at 17.9% .
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 | 12.75% - 18.0% |
| Balance Transfer APR | 12.75% - 18.00% |
| Cash Advance APR | Starting at 17.9% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $25.
- There is no overlimit fee
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 | 1% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0 |
| Late Payment Fee | up to $25 |
Does it offer a cash back or rewards program?
Yes, Mountain America CU Cash Back Credit Card offers a rewards program to its customers. The rewards program allows you to earn 1.5% 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:
- Every Purchase
- Gas stations
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What are the benefits?
This business credit card provides the following benefits:
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (800) 748-4302.
What is the support contact email?
The support contact email for this business credit card is macumail@macu.com.
Does Mountain America CU Cash Back Credit Card report your account activity to credit bureaus?
Yes, Mountain America CU Cash Back Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the Mountain America CU Cash Back Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From Mountain America CU Cash Back Credit Card
Contact
- Headquarters
-
7181 S Campus View Dr
West Jordan, UT 84084 USA - (800) 748-4302
- Visit Site
- Email Support
Other Services by Mountain America Credit Union
Other Business Credit Cards by Mountain America Credit Union
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | 0 |
| Cash Advance Fee Minimum | 0 |
| Foreign Currency Transaction Fee | 1 |
| Late Fee Amount | Up to 25 |
| Minimum Cash Advance Fee ($) | 0 |
| Minimum Interest Charge | 0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Over-Limit Fee | 0 |
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