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  AmeriCU Credit Union Visa® Signature Rewards Credit Card

AmeriCU Credit Union Visa® Signature Rewards Credit Card

in Personal Credit Cards from AmeriCU Credit Union

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AmeriCU Credit Union Visa® Signature Rewards Credit Card

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in Personal Credit Cards from AmeriCU Credit Union

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Highlights
Purchase APR  (Variable APR) 7.24% - 17.99%
Balance Transfer APR  (Variable APR) 7.24% - 17.99%
Credit Score Range N/A
Annual Fee $0

AmeriCU Credit Union Visa® Signature Rewards Credit Card Review

This 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 review will provide you with with all the details you need to make a good choice.

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 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.
Pros & Cons of AmeriCU Credit Union Visa® Signature Rewards Credit Card
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.
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. It has lower than average regular APRs.

It 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%.

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 7.24% - 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
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
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 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.

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

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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
Minimum Interest Charge $0.05
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
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
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
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
Signup Bonus (points) 20,000
Rewards Type Points
Cash Advance APR (Variable APR) 7.24% - 17.99%
Purchase APR (Variable APR) 7.24% - 17.99%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 7.24% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Visa

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