Achieva Credit Union Cash Rewards Mastercard Review

This is a cashback credit card issued by Achieva Credit Union. If you're wondering whether Achieva Credit Union Cash Rewards Mastercard 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.

• Competitive APRs. Achieva Credit Union Cash Rewards Mastercard has a variable purchase APR that ranges from 9.90% up to 17.90%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, identity theft protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good

The Bad

Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Identity Theft Protection. No foreign transaction fee. Cardholders can earn rewards on their purchases. Achieva Credit Union Cash Rewards Mastercard reports to multiple credit bureaus.

Does not offer a signup bonus.

Does Achieva Credit Union Cash Rewards Mastercard 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 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

Achieva Credit Union Cash Rewards Mastercard Rewards

Minimum rewards rate	1.5x
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Achieva Credit Union Cash Rewards Mastercard benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Achieva Credit Union Cash Rewards Mastercard?

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

Achieva Credit Union Cash Rewards Mastercard has a variable purchase APR that ranges from 9.90% up to 17.90%. The card has a variable balance transfer APR that ranges from 9.90% up to 17.90%. It also has a variable cash advance APR that ranges from 9.90% up to 17.90%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Achieva Credit Union Cash Rewards Mastercard?

The following fees apply:

Achieva Credit Union Cash Rewards Mastercard Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$10
Late 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 Achieva Credit Union Cash Rewards Mastercard report your account activity to credit bureaus?

Yes, Achieva Credit Union Cash Rewards Mastercard 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 Achieva Credit Union Cash Rewards Mastercard

• Visit the Achieva Credit Union Cash Rewards Mastercard 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.