Last Updated: 07/28/2025
AmeriCU Credit Union Visa® Signature Rewards Credit Card
Unaffiliated
in Credit Cards from AmeriCU Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.15% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.15% - 17.99%(Verified 06/21/2024)
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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
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: AmeriCU Credit Union Visa® Signature Rewards Credit Card has a variable regular 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 up to 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
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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.
| Description |
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 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?
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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.15% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for AmeriCU Credit Union Visa® Signature Rewards Credit Card 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 login page for AmeriCU Credit Union Visa® Signature Rewards Credit Card?
You can access the login page of AmeriCU Credit Union Visa® Signature Rewards Credit Card 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 to the following credit bureaus:
- 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 build your credit.
Does AmeriCU Credit Union perform a hard credit pull?
Yes, AmeriCU Credit Union Visa® Signature Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for AmeriCU Credit Union Visa® Signature Rewards Credit Card
- Visit the website of AmeriCU Credit Union Visa® Signature Rewards Credit Card.
- 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.
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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