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  Arbor Financial Credit Union Rewards Credit Union

Arbor Financial Credit Union Rewards Credit Union

in Personal Credit Cards from Arbor Financial Credit Union

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Arbor Financial Credit Union Rewards Credit Union

Unaffiliated

in Personal Credit Cards from Arbor Financial Credit Union

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Highlights
Purchase APR  (Variable APR) 9.25% - 16.25%
Balance Transfer APR  (Variable APR) Starting at 4.99%
Credit Score Range N/A
Annual Fee $0

Arbor Financial Credit Union Rewards Credit Union Review

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

Key Takeaways
  • Signup bonus. Offers a signup bonus of 25000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Arbor Financial Credit Union Rewards Credit Union has a variable purchase APR that ranges from 9.25% up to 16.25%.
  • 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.
  • 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.
Arbor Financial Credit Union Rewards Credit Union Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Arbor Financial Credit Union Rewards Credit Union is accepted.
  • Arbor Financial Credit Union Rewards Credit Union reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Arbor Financial Credit Union Rewards Credit Union FAQ

Is there a Arbor Financial Credit Union Rewards Credit Union cash back or rewards program?

Arbor Financial Credit Union Rewards Credit Union offers a rewards program to its customers.

Arbor Financial Credit Union Rewards Credit Union Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 25000

Does Arbor Financial Credit Union Rewards Credit Union have a signup bonus?

Arbor Financial Credit Union Rewards Credit Union doesn't offer a cash signup bonus. However, it does include a 25000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Arbor Financial Credit Union Rewards Credit Union offer an annual loyalty bonus?

Arbor Financial Credit Union Rewards Credit Union doesn't offer a cash loyalty bonus.

What are the Arbor Financial Credit Union Rewards Credit Union benefits?

Arbor Financial Credit Union Rewards Credit Union provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Arbor Financial Credit Union Rewards Credit Union?

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

Arbor Financial Credit Union Rewards Credit Union has a variable purchase APR that ranges from 9.25% up to 16.25%. The card has a variable balance transfer APR starting at 4.99% .

Does Arbor Financial Credit Union Rewards Credit Union have an introductory APR offer on balance transfers?

No, Arbor Financial Credit Union Rewards Credit Union does not come with an introductory APR offer for balance transfers.

Does Arbor Financial Credit Union Rewards Credit Union have an introductory APR offer on new purchases?

Arbor Financial Credit Union Rewards Credit Union does not offer an introductory rate on new purchases.
Arbor Financial Credit Union Rewards Credit Union Purchase Intro Offer
Description

What are the fees for Arbor Financial Credit Union Rewards Credit Union?

The following fees apply to Arbor Financial Credit Union Rewards Credit Union:

  • There is no overlimit fee
Arbor Financial Credit Union Rewards Credit Union Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $27 - $25
Late Payment Fee up to $25

Does Arbor Financial Credit Union Rewards Credit Union have a foreign transaction fee?

Arbor Financial Credit Union Rewards Credit Union 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 a foreign transaction fee.

Does Arbor Financial Credit Union Rewards Credit Union report your account activity to credit bureaus?

Yes, Arbor Financial Credit Union Rewards Credit Union 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 Arbor Financial Credit Union Rewards Credit Union

  • Visit the Arbor Financial Credit Union Rewards Credit Union 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.

Arbor Financial Credit Union Rewards Credit Union Disclosure: Up to $27.00 the first time your payment is returned for any reason. If a subsequent payment is returned for any reason within the following 6 billing cycles, you will be charged up to $35.00 for each returned payment
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

  • Headquarters
  •   Arbor Financial Credit Union 1551 South 9th Street Kalamazoo, MI 49009
    Kalamazoo, MI 49009
  • (269) 375-6702
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 12:00pm

Other Services by Arbor Financial 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

Every Purchase (Points) Up to 1
Restaurants (Points) Up to 3
Gas (Points) Up to 2
Every Purchase (Points) 1X Points on Everything Else
Cash Advance Fee Minimum $0
Cash Advance Fee (%) Starting at 0%
Minimum Cash Advance Fee ($) Starting at $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee $27 - $35
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
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
Signup Bonus (points) 25,000
Purchase APR (Variable APR) 9.25% - 16.25%
Balance Transfer APR (Variable APR) Starting at 4.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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