Last Updated: 07/28/2025
Addition FCU Visa® Rewards Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.25% - 17.75%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
17.25% - 17.75%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$0
Addition FCU Visa® Rewards Credit Card Review
This is a rewards card issued by Addition Financial Credit Union. If you're wondering whether Addition FCU Visa® Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- Welcome offer. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 rewards card. It gives you rewards 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Addition FCU Visa® Rewards Credit Card
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Addition FCU Visa® Rewards Credit Card FAQ
Does Addition FCU Visa® Rewards Credit Card have a cash back or rewards program?
Addition FCU Visa® Rewards Credit Card is a rewards card.
| Description |
Does Addition FCU Visa® Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Addition FCU Visa® Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Addition FCU Visa® Rewards Credit Card benefits?
Addition FCU Visa® Rewards Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Addition FCU Visa® Rewards Credit Card?
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.Addition FCU Visa® Rewards 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 FCU Visa® Rewards 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 FCU Visa® Rewards 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 FCU Visa® Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Addition FCU Visa® Rewards Credit Card have a foreign transaction fee?
Addition FCU Visa® Rewards Credit Card charges a foreign transaction fee of up to 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 FCU Visa® Rewards Credit Card?
The customer service number for Addition FCU Visa® Rewards Credit Card is (800) 711-9411.
What is the support contact email for Addition FCU Visa® Rewards Credit Card?
The support contact email for Addition FCU Visa® Rewards Credit Card is info@additionfi.com.
What is the login page for Addition FCU Visa® Rewards Credit Card?
You can access the login page of Addition FCU Visa® Rewards Credit Card here.
How do people rate the customer service and user experience of Addition FCU Visa® Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Addition FCU Visa® Rewards Credit Card report your account activity to credit bureaus?
Yes, Addition FCU Visa® Rewards Credit Card 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 Addition Financial Credit Union perform a hard credit pull?
Yes, Addition FCU Visa® Rewards Credit Card 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 Addition FCU Visa® Rewards Credit Card
- Visit the website of Addition FCU Visa® Rewards Credit Card.
- 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.
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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.
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