AmeriCU Credit Union Mastercard®

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% .

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.

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.