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  American 1 Credit Union Visa Variable Rewards Credit Card
American 1 Credit Union Visa Variable Rewards Credit Card Unaffiliated

American 1 Credit Union Visa Variable Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 9.49% - 18%
Balance Transfer APR  (Variable APR) 9.49% - 18%
Credit Score Range 600 - 850
Annual Fee $0

American 1 Credit Union Visa Variable Rewards Credit Card Review

This is a rewards credit card issued by American 1 Credit Union. If you're wondering whether American 1 Credit Union Visa Variable Rewards Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. American 1 Credit Union Visa Variable Rewards Credit Card has a variable purchase APR that ranges from 9.49% up to 18%.
  • 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 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of American 1 Credit Union Visa Variable Rewards Credit Card

The Good The Bad
  • Earn 1 point for every $1 spent in purchases.
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere American 1 Credit Union Visa Variable Rewards Credit Card is accepted.
  • American 1 Credit Union Visa Variable Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.

American 1 Credit Union Visa Variable Rewards Credit Card FAQ

Does American 1 Credit Union Visa Variable Rewards Credit Card have a cash back or rewards program?

American 1 Credit Union Visa Variable Rewards Credit Card is a rewards card.

American 1 Credit Union Visa Variable Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does American 1 Credit Union Visa Variable Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does American 1 Credit Union Visa Variable Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the American 1 Credit Union Visa Variable Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for American 1 Credit Union Visa Variable 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 lower than average regular APRs.

American 1 Credit Union Visa Variable Rewards Credit Card has a variable purchase APR that ranges from 9.49% up to 18%. The card has a variable balance transfer APR that ranges from 9.49% up to 18%. It also has a variable cash advance APR that ranges from 9.49% up to 18%.

Does American 1 Credit Union Visa Variable 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 American 1 Credit Union Visa Variable 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 American 1 Credit Union Visa Variable Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
American 1 Credit Union Visa Variable Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $20

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does American 1 Credit Union Visa Variable Rewards Credit Card have a foreign transaction fee?

American 1 Credit Union Visa Variable Rewards Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 American 1 Credit Union Visa Variable Rewards Credit Card?

The American 1 Credit Union Visa Variable Rewards Credit Card customer service number is (888) 213-2848.

What is the support contact email for American 1 Credit Union Visa Variable Rewards Credit Card?

The support contact email for American 1 Credit Union Visa Variable Rewards Credit Card is a1responseteam@a1cu.org.

What is the American 1 Credit Union Visa Variable Rewards Credit Card login page?

You can access the American 1 Credit Union Visa Variable Rewards Credit Card login page here.

How do people rate the customer service and user experience of American 1 Credit Union Visa Variable Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does American 1 Credit Union Visa Variable Rewards Credit Card report your account activity to credit bureaus?

Yes, American 1 Credit Union Visa Variable 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 American 1 Credit Union Visa Variable Rewards Credit Card

  • Visit the American 1 Credit Union Visa Variable 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 - 7:00pm
  • Tuesday 9:00am - 7:00pm
  • Wednesday 9:00am - 7:00pm
  • Thursday 9:00am - 7:00pm
  • Friday 9:00am - 7:00pm
  • Saturday 9:00am - 4:00pm

About American 1 Credit Union Visa Variable Rewards Credit Card

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View all credit cards offered by American 1 Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) Starting at 0%
Minimum Cash Advance Fee ($) Starting at $0
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Travel
  • Gas
  • Every Purchase
Cash Advance APR (Variable APR) 9.49% - 18%
APR Type Variable APR
Purchase APR (Variable APR) 9.49% - 18%
Balance Transfer APR (Variable APR) 9.49% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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