Last Updated: 05/14/2026
Achieva Credit Union Cash Rewards Mastercard
Unaffiliated
from Achieva Credit Union
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
9.90% - 17.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
9.90% - 17.90%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
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.
Key Takeaways
- APRs: Achieva Credit Union Cash Rewards Mastercard has a variable regular 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, identity theft protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Achieva Credit Union Cash Rewards Mastercard
| The Good | The Bad |
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Achieva Credit Union Cash Rewards Mastercard FAQ
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.
| Description |
Does Achieva Credit Union Cash Rewards Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Achieva Credit Union Cash Rewards Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Achieva Credit Union Cash Rewards Mastercard benefits?
Achieva Credit Union Cash Rewards Mastercard 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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.
Does Achieva Credit Union Cash Rewards Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.99%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.90% - 17.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Achieva Credit Union Cash Rewards Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Achieva Credit Union Cash Rewards Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $25 . Does Achieva Credit Union Cash Rewards Mastercard have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Achieva Credit Union Cash Rewards Mastercard?
The customer service number for Achieva Credit Union Cash Rewards Mastercard is (800) 593-2274.
What is the support contact email for Achieva Credit Union Cash Rewards Mastercard?
The support contact email for Achieva Credit Union Cash Rewards Mastercard is info@achievacu.com.
How do people rate the customer service and user experience of Achieva Credit Union Cash Rewards Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Achieva Credit Union Cash Rewards Mastercard report your account activity to credit bureaus?
Yes, Achieva Credit Union Cash Rewards Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does Achieva Credit Union perform a hard credit pull?
Yes, Achieva Credit Union Cash Rewards Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Achieva Credit Union Cash Rewards Mastercard
- Visit the website of Achieva Credit Union Cash Rewards Mastercard.
- 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.
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Achieva Credit Union Cash Rewards Mastercard Community Reviews
Would you recommend Achieva Credit Union Cash Rewards Mastercard to your friends?
CR
Christine R.
May 7, 2022
May or may not recommend
I would definitely recommend this card. It has a low APR and it offers great benefits. Achieva is easy to work with. They have great customer service, and even during Covid they were available to speak to customers, unlike some other banks I deal with.
KV
Kevin V.
Oct 28, 2020
May or may not recommend
I have had an auto loan through achieva for five years now. I have never had any complicating issues. It was my first loan and they gave me a reasonable interest rate of twelve percent. And I pay extra it goes against my principal (the amount owed) not the interest.
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