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  Achieva Credit Union Cash Rewards Mastercard

Achieva Credit Union Cash Rewards Mastercard

in Personal Credit Cards from Achieva Credit Union

Unaffiliated

Achieva Credit Union Cash Rewards Mastercard

Unaffiliated

in Personal Credit Cards from Achieva Credit Union

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 9.90% - 17.90%
Balance Transfer APR  (Variable APR) 9.90% - 17.90%
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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 purchases, but you don't have to pay an annual fee for the privilege.
  • 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 oods if your credit score is above650.
Pros & Cons of Achieva Credit Union Cash Rewards Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • 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 purchases everywhere Achieva Credit Union Cash Rewards Mastercard is accepted.
  • Achieva Credit Union Cash Rewards Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
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.

Achieva Credit Union Cash Rewards Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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?

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. It has lower than average regular APRs.

It 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%.

Does Achieva Credit Union Cash Rewards Mastercard have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

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?

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 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 Achieva Credit Union Cash Rewards Mastercard customer service number is (800) 593-2274.

How do people rate the customer service and user experience of Achieva Credit Union Cash Rewards Mastercard?

Overall, Achieva Credit Union Cash Rewards Mastercard is strongly recommended based on community reviews that rate customer service and user experience.

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.

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

Other Services by Achieva 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

Cash Advance Fee (%) 0%
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $10
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 9.90% - 17.90%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 9.90% - 17.90%
Balance Transfer APR (Variable APR) 9.90% - 17.90%
Balance Transfer Fee % 0%
Card Type
  • Cashback
  • Low Interest
  • Rewards
Card Network Mastercard

Achieva Credit Union Cash Rewards Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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