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  Addition Financial Credit Union Visa® Premier Cash Credit Card

Addition Financial Credit Union Visa® Premier Cash Credit Card

in Personal Credit Cards from Addition Financial Credit Union

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Addition Financial Credit Union Visa® Premier Cash Credit Card

Unaffiliated

in Personal Credit Cards from Addition Financial Credit Union

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Highlights
Purchase APR  (Variable APR) 15.75% - 17.75%
Balance Transfer APR  (Variable APR) 15.75% - 17.75%
Credit Score Range 700 - 850
Annual Fee $0

Addition Financial Credit Union Visa® Premier Cash Credit Card Review

This is a cashback credit card issued by Addition Financial Credit Union. If you're wondering whether Addition Financial Credit Union Visa® Premier Cash Credit Card 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
  • Generous reward rate. You will get a cashback rewards rate of up to 3%.
  • Signup bonus. Offers a signup bonus of $100 if you spend $500 within 3 months.
  • Competitive APRs. Addition Financial Credit Union Visa® 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 cashback card. It gives you cashback on your purchases, 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, 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 Credit Union Visa® Premier Cash Credit Card
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.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Addition Financial Credit Union Visa® Premier Cash Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
Addition Financial Credit Union Visa® Premier Cash Credit Card FAQ

Does Addition Financial Credit Union Visa® Premier 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 Credit Union Visa® Premier 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 Credit Union Visa® Premier 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. It has lower than average regular APRs.

It 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 Visa® Premier Cash Credit Card have an intro APR offer on balance transfers?

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

Does Addition Financial Credit Union Visa® Premier 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 Credit Union Visa® Premier Cash Credit Card?

The following fees apply:

Addition Financial Credit Union Visa® 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

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 Credit Union Visa® Premier Cash Credit Card have a foreign transaction fee?

Addition Financial Credit Union Visa® 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 foreign transaction fees.

What is the customer service phone number for Addition Financial Credit Union Visa® Premier Cash Credit Card?

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

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

Yes, Addition Financial Credit Union Visa® 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 may help improve your credit.

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

  • Visit the Addition Financial Credit Union Visa® 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 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
  • 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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
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
  • Groceries
  • Gas
Signup Bonus Starting at $100
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%
Card Type
  • Cashback
Card Network Visa

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