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  Addition Financial CU Visa® Cash Credit Card
Addition Financial CU Visa® Cash Credit Card Unaffiliated

Addition Financial CU Visa® Cash Credit Card

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Highlights
Purchase APR  (Variable APR) 17.25% - 17.75%
(Verified 10/20/2022)
Balance Transfer APR  (Variable APR) 17.25% - 17.75%
(Verified 10/20/2022)
Credit Score Range 700 - 850
Annual Fee $0

Addition Financial CU Visa® Cash Credit Card Review

This is a cashback card issued by Addition Financial Credit Union. If you're wondering whether Addition Financial CU Visa® Cash Credit Card is the right card for you, read on.

Key Takeaways

  • Generous reward rate. You can get a maximum cashback rewards rate of up to 3x.
  • Signup bonus. Offers a signup bonus of up to $100 if you spend $500 within 3 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.25% up to 17.75%.
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Addition Financial CU Visa® Cash Credit Card

The Good The Bad
  • Has an introductory APR rate on balance transfers of 4.99%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Addition Financial CU Visa® Cash Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges a foreign transaction fee of 3%.

Addition Financial CU Visa® Cash Credit Card FAQ

Does Addition Financial CU Visa® Cash Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 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. However, you can earn up to 3% for purchases in a bonus category.

What are the Addition Financial CU Visa® Cash Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Addition Financial CU Visa® Cash 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. This card has higher than average regular APRs.

Addition Financial CU Visa® Cash Credit Card has a variable purchase APR that ranges from 17.25% up to 17.75%. The card has a variable balance transfer APR that ranges from 17.25% up to 17.75%. It also has a variable cash advance APR that ranges from 17.25% up to 17.75%. Note that late payments are subject to an APR of 17.75% 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 Addition Financial CU Visa® Cash Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of up to 12 months.

Addition Financial CU Visa® Cash Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 4.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 17.25% - 17.75%
Balance Transfer Fee % 0%

Does Addition Financial CU Visa® Cash Credit Card 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 Addition Financial CU Visa® Cash Credit Card?

The following fees apply:

Addition Financial CU Visa® Cash Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $27
Late Payment Fee up to $40

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

Does Addition Financial CU Visa® Cash Credit Card have a foreign transaction fee?

Addition Financial CU Visa® Cash Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Addition Financial CU Visa® Cash Credit Card?

The Addition Financial CU Visa® Cash Credit Card customer service number is (800) 711-9411.

What is the support contact email for Addition Financial CU Visa® Cash Credit Card?

The support contact email for Addition Financial CU Visa® Cash Credit Card is info@additionfi.com.

What is the Addition Financial CU Visa® Cash Credit Card login page?

You can access the Addition Financial CU Visa® Cash Credit Card login page here.

How do people rate the customer service and user experience of Addition Financial CU Visa® Cash Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Addition Financial CU Visa® Cash Credit Card report your account activity to credit bureaus?

Yes, Addition Financial CU Visa® Cash 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 Addition Financial CU Visa® Cash Credit Card

  • Visit the Addition Financial CU Visa® Cash 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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 10:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by Addition Financial Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $27
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Assistance
  • Concierge
Rewards Rates
  • Gas
  • Groceries
  • Every Purchase
Signup Bonus Starting at $100
Cash Advance APR (Variable APR) 17.25% - 17.75%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 17.75%
Purchase APR (Variable APR) 17.25% - 17.75%
(Verified 10/20/2022)
Balance Transfer Introductory APR (Variable APR) 4.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 17.25% - 17.75%
(Verified 10/20/2022)
Balance Transfer Fee % 0%
Card Type
  • Cashback
Card Network Visa

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