SuperMoney
Explore
Compare Rates

Compare All Credit Cards

Filter & compare all your options in one place.

View All Credit Cards
x No thanks, not right now
Advertiser Disclosure
  AmeriCU Credit Union Visa® Signature Rewards Credit Card

Best Of Product

AmeriCU Credit Union Visa® Signature Rewards Credit Card
in Credit Cards from AmeriCU Credit Union
Unaffiliated

AmeriCU Credit Union Visa® Signature Rewards Credit Card

Unaffiliated
in Credit Cards from AmeriCU Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend AmeriCU Credit Union Visa® Signature Rewards Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Purchase APR  (Variable APR) 14.15% - 17.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 14.15% - 17.99%
(Verified 08/04/2023)
Credit Score Range N/A
Annual Fee $0

AmeriCU Credit Union Visa® Signature Rewards Credit Card Review

This is a rewards 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.

Key Takeaways

  • 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 14.15% 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 Auto Rental Collision Damage Waiver, access to a concierge, identity theft protection, and fraud protection.

Pros & Cons of AmeriCU Credit Union Visa® Signature Rewards Credit Card

The Good The Bad
  • Potentially 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.

AmeriCU Credit Union Visa® Signature Rewards Credit Card FAQ

Does AmeriCU Credit Union Visa® Signature Rewards Credit Card have a cash back or rewards program?

AmeriCU Credit Union Visa® Signature Rewards Credit Card is a rewards card.

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

Does AmeriCU Credit Union Visa® Signature Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does AmeriCU Credit Union Visa® Signature Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It 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 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 Visa® Signature Rewards Credit Card has a variable purchase APR that ranges from 14.15% up to 17.99%. The card has a variable balance transfer APR that ranges from 14.15% up to 17.99%. It also has a variable cash advance APR that ranges from 14.75% up to 17.99%.

Does AmeriCU Credit Union Visa® Signature Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of up to 6 months.

AmeriCU Credit Union Visa® Signature Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 14.15% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does AmeriCU Credit Union Visa® Signature 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 AmeriCU Credit Union Visa® Signature Rewards Credit Card?

The following fees apply:

AmeriCU Credit Union Visa® Signature Rewards Credit Card Fees
Description
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
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 $20
Late Fee Amount Up to $25

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

Does AmeriCU Credit Union Visa® Signature Rewards Credit Card have a foreign transaction fee?

AmeriCU Credit Union Visa® Signature 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 AmeriCU Credit Union Visa® Signature Rewards Credit Card?

The AmeriCU Credit Union Visa® Signature Rewards Credit Card customer service number is (800) 388-2000.

What is the support contact email for AmeriCU Credit Union Visa® Signature Rewards Credit Card?

The support contact email for AmeriCU Credit Union Visa® Signature Rewards Credit Card is hello@americu.org.

What is the AmeriCU Credit Union Visa® Signature Rewards Credit Card login page?

You can access the AmeriCU Credit Union Visa® Signature Rewards Credit Card login page here.

How do people rate the customer service and user experience of AmeriCU Credit Union Visa® Signature Rewards Credit Card?

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

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.

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

Icon for Credit Cards
View all credit cards offered by AmeriCU Credit Union
Icon for Credit Card

Business Credit Cards

Be the first to rate

Other Credit Cards by AmeriCU Credit Union

Loading...

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
Foreign Currency Transaction Fee 1%
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 $20
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
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Concierge
Signup Bonus (points) 20,000
Rewards Type Points
Cash Advance APR (Variable APR) 14.75% - 17.99%
APR Type Variable APR
Purchase APR (Variable APR) 14.15% - 17.99%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.15% - 17.99%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Visa

Be the first to rate

 

Would you recommend AmeriCU Credit Union Visa® Signature Rewards Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Mostly recommended

38 Reviews

Strongly recommended

22 Reviews

Strongly recommended

31 Reviews

View All
Browse Credit Cards
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.