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  AmeriCU Credit Union Mastercard®

AmeriCU Credit Union Mastercard®

in Personal Credit Cards from AmeriCU Credit Union

Unaffiliated

AmeriCU Credit Union Mastercard®

Unaffiliated

in Personal Credit Cards from AmeriCU Credit Union

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

AmeriCU Credit Union Mastercard® Review

This is a credit card issued by AmeriCU Credit Union. If you're wondering whether AmeriCU Credit Union Mastercard® 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
  • 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
  • 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.
  • Does not include many credit card benefits.
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. It has lower than average regular APRs.

It 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
Returned Payment Fee up to $28
Late Payment Fee 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.

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
  • 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

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
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)
  • 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 Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 17.9%
Credit Limit $500 - $5,000
Purchase APR (Fixed APR) Starting at 12.9%
Balance Transfer APR (Fixed APR) Starting at 12.9%
Balance Transfer Fee Minimum $0

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