AmeriCU Credit Union Visa® Signature Rewards Credit Card Review

AmeriCU Credit Union Visa® Signature Rewards Credit Card is a rewards credit card issued by AmeriCU Credit Union. If you're wondering whether AmeriCU Credit Union Visa® Signature Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Signup bonus. Offers a signup bonus of 20000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. AmeriCU Credit Union Visa® Signature Rewards Credit Card has a variable purchase APR that ranges from 7.24% up to 17.99%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, identity theft protection, and fraud protection.

The Good	The Bad
Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99%. No balance transfer fee. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Identity Theft Protection. Cardholders can earn rewards on their purchases. AmeriCU Credit Union Visa® Signature Rewards Credit Card reports to multiple credit bureaus.	Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Is there a AmeriCU Credit Union Visa® Signature Rewards Credit Card cash back or rewards program?

AmeriCU Credit Union Visa® Signature Rewards Credit Card offers a rewards program to its customers.

AmeriCU Credit Union Visa® Signature Rewards Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	20000
Signup Bonus Spend Requirement	$3000
Signup Bonus Spend Period (months)	3 months

What are the AmeriCU Credit Union Visa® Signature Rewards Credit Card benefits?

AmeriCU Credit Union Visa® Signature Rewards Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for AmeriCU Credit Union Visa® Signature Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. AmeriCU Credit Union Visa® Signature Rewards Credit Card has lower than average purchase APRs.

AmeriCU Credit Union Visa® Signature Rewards Credit Card has a variable purchase APR that ranges from 7.24% up to 17.99%. The card has a variable balance transfer APR that ranges from 7.24% up to 17.99%. It also has a variable cash advance APR that ranges from 7.24% up to 17.99%.

What are the fees for AmeriCU Credit Union Visa® Signature Rewards Credit Card?

The following fees apply to AmeriCU Credit Union Visa® Signature Rewards Credit Card:

AmeriCU Credit Union Visa® Signature Rewards Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does AmeriCU Credit Union Visa® Signature Rewards Credit Card report your account activity to credit bureaus?

Yes, AmeriCU Credit Union Visa® Signature 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 AmeriCU Credit Union Visa® Signature Rewards Credit Card

• Visit the AmeriCU Credit Union Visa® Signature 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.