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AmeriCU Credit Union Visa® Signature Rewards Credit Card
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| Purchase APR (Variable APR) |
14.15% - 17.99% (Verified 12/21/2022) |
| Balance Transfer APR (Variable APR) |
14.15% - 17.99% (Verified 12/21/2022) |
| 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.
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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, identity theft protection, and fraud protection.
Pros & Cons of AmeriCU Credit Union Visa® Signature Rewards Credit Card
| The Good | The Bad |
|---|---|
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AmeriCU Credit Union Visa® Signature Rewards Credit Card FAQ
Does AmeriCU Credit Union Visa® Signature Rewards Credit Card have a cash back or rewards program?
AmeriCU Credit Union Visa® Signature Rewards Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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.
| 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:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $20 |
| 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.
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.
Contact
- Headquarters
-
1916 Black River Blvd. Rome, NY 13440
Rome, NY 13440 USA - (800) 388-2000
- Visit Site
- Email Support
Other Services by AmeriCU Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- 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 |
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