Addition Financial Credit Union Premier Rewards Credit Card Review

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

• Generous reward rate. You will get a a rewards rate of up to 5 points per dollar spent.
• Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Addition Financial Credit Union Premier Rewards Credit Card has a variable purchase APR of 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.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Multiple credit card perks. No foreign transaction fee. Earn rewards on every purchase. Addition Financial Credit Union Premier Rewards Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Access to a concierge. Travel accident and travel assistance insurance.	Requires good to excellent credit.

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

Addition Financial Credit Union Premier Rewards Credit Card offers a rewards program to its customers.

Addition Financial Credit Union Premier Rewards Credit Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	5%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	10000
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the Addition Financial Credit Union Premier Rewards Credit Card benefits?

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

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Cellular Telephone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Addition Financial Credit Union Premier Rewards 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 Rewards Credit Card has lower than average purchase APRs.

Addition Financial Credit Union Premier Rewards 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.

What are the Addition Financial Credit Union Premier Rewards Credit Card fees?

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

Addition Financial Credit Union Premier Rewards Credit Card Fees

Fees	Amount
Annual Fee	up to $0
Foreign Transaction Fee	0%
Balance Transfer Fee	0%
Returned Payment Fee	up to $27
Late Payment Fee	up to $38

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

Addition Financial Credit Union Premier Rewards 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 Rewards Credit Card

• Visit the Addition Financial Credit Union Premier Rewards 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.