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  Addition Financial Credit Union Premier Cash Credit Card

Addition Financial Credit Union Premier Cash Credit Card

in Personal Credit Cards from Addition Financial Credit Union

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Addition Financial Credit Union Premier Cash Credit Card

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in Personal Credit Cards from Addition Financial Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 15.75% - 17.75%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 15.75% - 17.75%
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries

Addition Financial Credit Union Premier Cash Credit Card Review

Addition Financial Credit Union Premier Cash Credit Card is a cashback credit card issued by Addition Financial Credit Union. If you're wondering whether Addition Financial Credit Union Premier Cash Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a cashback rewards rate of up to 3%.
  • Earn 1% cash back on everyday purchases.
  • Signup bonus. Offers a signup bonus of $100 if you spend $500 within 3 months.
  • Competitive APRs. Addition Financial Credit Union Premier Cash Credit Card has a variable purchase APR that ranges from 15.75% up to 17.75%.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 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, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Addition Financial Credit Union Premier Cash Credit Card Pros and Cons:

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.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Earn rewards on every purchase.
  • Addition Financial Credit Union Premier Cash Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.

Is there a Addition Financial Credit Union Premier Cash Credit Card cash back or rewards program?

No, Addition Financial Credit Union Premier Cash Credit Card does not offer a rewards program. Addition Financial Credit Union Premier Cash Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Addition Financial Credit Union Premier Cash Credit Card you receive 1% cash back on every 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 Credit Union Premier Cash Credit Card benefits?

Addition Financial Credit Union Premier Cash Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Cellular Telephone Protection
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Addition Financial Credit Union Premier Cash Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Addition Financial Credit Union Premier Cash Credit Card has lower than average purchase APRs.

Addition Financial Credit Union Premier Cash Credit Card has a variable purchase APR that ranges from 15.75% up to 17.75%. The card has a variable balance transfer APR that ranges from 15.75% up to 17.75%. It also has a variable cash advance APR that ranges from 15.75% 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 Credit Union Premier Cash Credit Card have an introductory APR offer on balance transfers?

No, Addition Financial Credit Union Premier Cash Credit Card does not come with an introductory APR offer for balance transfers.

Does Addition Financial Credit Union Premier Cash Credit Card have an introductory APR offer on new purchases?

Addition Financial Credit Union Premier Cash Credit Card does not offer an introductory rate on new purchases.
Addition Financial Credit Union Premier Cash Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Addition Financial Credit Union Premier Cash Credit Card?

The following fees apply to Addition Financial Credit Union Premier Cash Credit Card:

Addition Financial Credit Union Premier Cash Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $27
Late Payment Fee up to $38

Does Addition Financial Credit Union Premier Cash Credit Card have a foreign transaction fee?

Addition Financial Credit Union Premier 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 a foreign transaction fee.

Does Addition Financial Credit Union Premier Cash Credit Card report your account activity to credit bureaus?

Addition Financial Credit Union Premier 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 can help improve your credit score.

How to apply for Addition Financial Credit Union Premier Cash Credit Card

  • Visit the Addition Financial Credit Union Premier 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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

About Addition Financial Credit Union Premier Cash Credit Card

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View all personal credit cards offered by Addition Financial 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

Minimum Cash Advance Fee ($) $0
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 3%
Returned Payment Fee Up to $27
Late Fee Amount Up to $38
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 700 - 850
Card Type Cashback
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
Signup Bonus $100
Rewards Type Cash Back
Cash Advance APR (Variable APR) 15.75% - 17.75%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 17.75%
Purchase APR (Variable APR) 15.75% - 17.75%
Balance Transfer APR (Variable APR) 15.75% - 17.75%
Balance Transfer Fee % 0%

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Addition Financial Credit Union Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

Addition Financial Credit Union Premier Rewards Credit Card
Balance Transfer APR 15.75% - 17.75%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.75% - 17.75%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • Every Purchase
  • Gas
  • 2% on Groceries
  • Travel
Show More
Addition Financial Credit Union Platinum Low Rate Credit Card
Balance Transfer APR 10.25% - 17.75%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 10.25% - 17.75%
(Variable APR)
    0% 36% Variable APR
Rewards Rates N/A Rewards Rates