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  Addition Financial Credit Union  Visa® Premier Rewards Credit Card

Addition Financial Credit Union Visa® Premier Rewards Credit Card

in Personal Credit Cards from Addition Financial Credit Union

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Addition Financial Credit Union Visa® Premier Rewards 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 Rewards Credit Card Review

This is a rewards credit card issued by Addition Financial Credit Union. If you're wondering whether Addition Financial Credit Union Visa® Premier Rewards 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 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.
  • Competitive APRs. Addition Financial Credit Union Visa® 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry 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 will have low approval odds if your credit score is below 700.
Pros & Cons of Addition Financial Credit Union Visa® Premier Rewards 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.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Addition Financial Credit Union Visa® Premier Rewards Credit Card is accepted.
  • Addition Financial Credit Union Visa® Premier Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
Addition Financial Credit Union Visa® Premier Rewards Credit Card FAQ

Does Addition Financial Credit Union Visa® Premier Rewards Credit Card have a cash back or rewards program?

Addition Financial Credit Union Visa® Premier Rewards Credit Card is a rewards card.

Addition Financial Credit Union Visa® Premier Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

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

This card doesn't offer a cash loyalty bonus.

What are the Addition Financial Credit Union Visa® Premier 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 Financial Credit Union Visa® Premier 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. 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 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 Financial Credit Union Visa® Premier 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 Financial Credit Union Visa® Premier Rewards Credit Card?

The following fees apply:

Addition Financial Credit Union Visa® 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

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

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

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

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

What is the support contact email for Addition Financial Credit Union Visa® Premier Rewards Credit Card?

The support contact email for Addition Financial Credit Union Visa® Premier Rewards Credit Card is info@additionfi.com.

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

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

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

  • Visit the Addition Financial Credit Union Visa® 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 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

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
  • 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
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Every Purchase
  • Travel
  • Groceries
  • Gas
Signup Bonus (points) 10,000
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
  • Rewards
Card Network Visa

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