Associated Credit Union Visa Prosper Signature Credit Card

Associated Credit Union Visa Prosper Signature Credit Card Review

This is a cashback card issued by Associated Credit Union. If you're wondering whether Associated Credit Union Visa Prosper Signature Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Associated Credit Union Visa Prosper Signature Credit Card has a variable purchase APR that ranges from 4.9% up to 6.9%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Associated Credit Union Visa Prosper Signature Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Associated Credit Union Visa Prosper Signature Credit Card

The Good

The Bad

1.5% Quarterly Cashback offers (1/1/2021 - 3/31/2021) Cable, satellite, television, radio, and streaming services Restaurant and food deliveries Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. Associated Credit Union Visa Prosper Signature Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a 3% balance transfer fee.

Associated Credit Union Visa Prosper Signature Credit Card FAQ

Does Associated Credit Union Visa Prosper Signature Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Associated Credit Union Visa Prosper Signature Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Associated Credit Union Visa Prosper Signature Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Associated Credit Union Visa Prosper Signature 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.

Associated Credit Union Visa Prosper Signature Credit Card has a variable purchase APR that ranges from 4.9% up to 6.9%. The card has a variable balance transfer APR that ranges from 4.9% up to 6.9%. It also has a variable cash advance APR that ranges from 4.9% up to 6.9%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Associated Credit Union Visa Prosper Signature Credit Card?

The following fees apply:

• There is no overlimit fee

Associated Credit Union Visa Prosper Signature Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $30
Late Payment Fee	up to $35

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

Does Associated Credit Union Visa Prosper Signature Credit Card report your account activity to credit bureaus?

Yes, Associated Credit Union Visa Prosper Signature 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 Associated Credit Union Visa Prosper Signature Credit Card

• Visit the Associated Credit Union Visa Prosper Signature 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.