Addition FCU Visa® Rewards Credit Card
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| 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 FCU Visa® Rewards Credit Card Review
This is a rewards credit 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.
- Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.25% up to 17.75%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Addition FCU Visa® Rewards Credit Card
| The Good | The Bad |
|---|---|
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Addition FCU Visa® Rewards Credit Card FAQ
Does Addition FCU Visa® Rewards Credit Card have a cash back or rewards program?
Addition FCU Visa® Rewards Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 5x |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 10000 |
| Signup Bonus Spend Requirement | $1000 |
| Signup Bonus Spend Period (months) | 3 months |
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 after spending $1000 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?
It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher 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?
The following fees apply:
| 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 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 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 Addition FCU Visa® Rewards Credit Card customer service number 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 Addition FCU Visa® Rewards Credit Card login page?
You can access the Addition FCU Visa® Rewards Credit Card login page 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 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 FCU Visa® Rewards Credit Card
- Visit the Addition FCU Visa® 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1000 Primera Blvd
Lake Mary, FL 32746 USA - (800) 711-9411
- Visit Site
- Email Support
Other Services by Addition Financial Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Minimum Cash Advance Fee ($) | $0 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Returned Payment Fee | Up to $27 |
| Late Fee Amount | Up to $38 |
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