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  Addition Financial Credit Union Premier Rewards Credit Card

Addition Financial Credit Union Premier Rewards Credit Card

in Personal Credit Cards from Addition Financial Credit Union

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Addition Financial Credit Union Premier Rewards 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
  • Travel

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.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of 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 that ranges from 15.75% 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.

Addition Financial Credit Union Premier Rewards 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.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • 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.
  • 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

Does Addition Financial Credit Union Premier Rewards Credit Card have a signup bonus?

Addition Financial Credit Union Premier Rewards Credit 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 Financial Credit Union Premier Rewards Credit Card offer an annual loyalty bonus?

Addition Financial Credit Union Premier Rewards Credit Card doesn't offer a cash loyalty bonus.

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.

Does Addition Financial Credit Union Premier Rewards Credit Card have an introductory APR offer on balance transfers?

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

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

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

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 $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $27
Late Payment Fee up to $38

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

Addition Financial Credit Union Premier Rewards Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

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 Rewards Credit Card

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View all personal credit cards offered by Addition Financial Credit Union

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  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

Gas (Points) 2
Airfare (Points) 3
Every Purchase (Points) 1 Point for Everything Else
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
Annual Fee $0
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 Rewards
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Travel
Signup Bonus (points) 10,000
Rewards Type Points
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 Cash 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
  • 1% on Every Purchase
  • 3% on Gas
  • 2% on Groceries
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