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  AmeriCU Credit Union Mastercard®

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AmeriCU Credit Union Mastercard® Unaffiliated

AmeriCU Credit Union Mastercard®

Unaffiliated
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Highlights
Purchase APR  (Fixed APR) Starting at 12.9%
(Verified 08/04/2023)
Balance Transfer APR  (Fixed APR) Starting at 12.9%
(Verified 08/04/2023)
Credit Score Range N/A
Annual Fee $0

AmeriCU Credit Union Mastercard® Review

This is a card issued by AmeriCU Credit Union. If you're wondering whether AmeriCU Credit Union Mastercard® is the right card for you, read on.

Key Takeaways

  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.

Pros & Cons of AmeriCU Credit Union Mastercard®

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • AmeriCU Credit Union Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.

AmeriCU Credit Union Mastercard® FAQ

Does AmeriCU Credit Union Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for AmeriCU Credit Union Mastercard®?

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.

AmeriCU Credit Union Mastercard® has a fixed purchase APR starting at 12.9% . The card has a fixed balance transfer APR starting at 12.9% . It also has a fixed cash advance APR starting at 17.9% .

Does AmeriCU Credit Union Mastercard® have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does AmeriCU Credit Union Mastercard® 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 AmeriCU Credit Union Mastercard®?

The following fees apply:

AmeriCU Credit Union Mastercard® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee %
Returned Payment Fee Starting at $ up to $28
Late Payment Fee Starting at up to $25

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

What is the customer service phone number for AmeriCU Credit Union Mastercard®?

The AmeriCU Credit Union Mastercard® customer service number is (800) 388-2000.

What is the support contact email for AmeriCU Credit Union Mastercard®?

The support contact email for AmeriCU Credit Union Mastercard® is hello@americu.org.

What is the AmeriCU Credit Union Mastercard® login page?

You can access the AmeriCU Credit Union Mastercard® login page here.

How do people rate the customer service and user experience of AmeriCU Credit Union Mastercard®?

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

Does AmeriCU Credit Union Mastercard® report your account activity to credit bureaus?

Yes, AmeriCU Credit Union Mastercard® 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 AmeriCU Credit Union Mastercard®

  • Visit the AmeriCU Credit Union Mastercard® 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 - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by AmeriCU Credit Union

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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 $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.50
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $28
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 17.9%
APR Type Fixed APR
Credit Limit $500 - $5,000
Purchase APR (Fixed APR) Starting at 12.9%
(Verified 08/04/2023)
Balance Transfer APR (Fixed APR) Starting at 12.9%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $0

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