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  360 Federal Credit Union Visa® Rewards Credit Card

360 Federal Credit Union Visa® Rewards Credit Card

in Personal Credit Cards from 360 Federal Credit Union

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360 Federal Credit Union Visa® Rewards Credit Card

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in Personal Credit Cards from 360 Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9.70% - 17.95%
Balance Transfer APR  (Variable APR) 9.70% - 17.95%
Credit Score Range 650 - 850
Annual Fee $0

360 Federal Credit Union Visa® Rewards Credit Card Review

This is a cashback credit card issued by 360 Federal Credit Union. If you're wondering whether 360 Federal Credit Union Visa® Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. 360 Federal Credit Union Visa® Rewards Credit Card has a variable purchase APR that ranges from 9.70% up to 17.95%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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 oods if your credit score is above650.
Pros & Cons of 360 Federal Credit Union Visa® Rewards Credit Card
The Good The Bad
  • Earn 1 point for every $1 you spend. Redeem points for cash back, travel, merchandise and more!
  • Get a Special Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days. After that, one low rate for purchases & cash advances.
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere 360 Federal Credit Union Visa® Rewards Credit Card is accepted.
  • 360 Federal Credit Union Visa® Rewards Credit Card reports to multiple credit bureaus.
  • Low reward rates.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
360 Federal Credit Union Visa® Rewards Credit Card FAQ

Does 360 Federal Credit Union Visa® Rewards Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1:1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

360 Federal Credit Union Visa® Rewards Credit Card Rewards
Minimum rewards rate 1:1x
Max rewards rate N/A
Annual rewards limit N/A

Does 360 Federal Credit Union Visa® Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does 360 Federal Credit Union Visa® Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the 360 Federal Credit Union Visa® Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for 360 Federal Credit Union Visa® Rewards Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 9.70% up to 17.95%. The card has a variable balance transfer APR that ranges from 9.70% up to 17.95%. It also has a variable cash advance APR that ranges from 3.99% up to 17.95%. 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 360 Federal Credit Union Visa® Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 3.99% for a period of up to 12 months.

360 Federal Credit Union Visa® Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.70% - 17.95%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does 360 Federal Credit Union Visa® Rewards Credit Card have an intro APR offer on new purchases?

360 Federal Credit Union Visa® Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 3.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 3.99% on qualified purchases for a period of up to 12 months.

What are the fees for 360 Federal Credit Union Visa® Rewards Credit Card?

The following fees apply:

  • An overlimit fee of $20.
360 Federal Credit Union Visa® Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $20
Foreign Transaction Fee 1%
Returned Payment Fee $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does 360 Federal Credit Union Visa® Rewards Credit Card have a foreign transaction fee?

360 Federal Credit Union Visa® Rewards Credit 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 card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for 360 Federal Credit Union Visa® Rewards Credit Card?

The 360 Federal Credit Union Visa® Rewards Credit Card customer service number is (800) 544-4728.

What is the support contact email for 360 Federal Credit Union Visa® Rewards Credit Card?

The support contact email for 360 Federal Credit Union Visa® Rewards Credit Card is supervisory@360fcu.org.

Does 360 Federal Credit Union Visa® Rewards Credit Card report your account activity to credit bureaus?

Yes, 360 Federal Credit Union Visa® Rewards 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 for 360 Federal Credit Union Visa® Rewards Credit Card

  • Visit the 360 Federal Credit Union Visa® Rewards Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday 9:30am - 1:00pm

About 360 Federal Credit Union Visa® Rewards Credit Card

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View all personal credit cards offered by 360 Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Gas (Points) 2
Introductory Rate 3.99%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.01
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Over-Limit Fee $20
Returned Payment Fee $25
Paper Statement Fee $10
Late Fee Amount Starting at $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Rates
  • Entertainment
  • Every Purchase
  • Travel
  • Airfare
  • Retail
  • Online
  • In-Store Eligible Purchases
Cash Advance APR (Variable APR) 3.99% - 17.95%
Balance Computation “Average Daily Balance” (including new purchases/transactions)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 9.70% - 17.95%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.70% - 17.95%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
  • Cashback
  • Gas
Card Network Visa

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