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  Associated Credit Union Visa Prosper Signature Credit Card

Associated Credit Union Visa Prosper Signature Credit Card

in Personal Credit Cards from Associated Credit Union

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Associated Credit Union Visa Prosper Signature Credit Card

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in Personal Credit Cards from Associated Credit Union

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Highlights
Purchase APR  (Variable APR) 8.9% - 10.9%
Balance Transfer APR  (Variable APR) 8.9% - 10.9%
Credit Score Range 600 - 850
Annual Fee $0

Associated Credit Union Visa Prosper Signature Credit Card Review

Associated Credit Union Visa Prosper Signature Credit Card is a cashback credit 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. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Associated Credit Union Visa Prosper Signature Credit Card has a variable purchase APR that ranges from 8.9% up to 10.9%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your 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 oods if your credit score is above600.
Associated Credit Union Visa Prosper Signature Credit Card Pros & Cons
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
  • 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 or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Associated Credit Union Visa Prosper Signature Credit Card is accepted.
  • 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

Is there a Associated Credit Union Visa Prosper Signature Credit Card cash back or rewards program?

Associated Credit Union Visa Prosper Signature Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Associated Credit Union Visa Prosper Signature Credit Card you receive 1% cash back on every 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

Does Associated Credit Union Visa Prosper Signature Credit Card have a signup bonus?

Associated Credit Union Visa Prosper Signature Credit Card doesn't offer a cash signup bonus.

Does Associated Credit Union Visa Prosper Signature Credit Card offer an annual loyalty bonus?

Associated Credit Union Visa Prosper Signature Credit Card doesn't offer a cash loyalty bonus.

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

Associated Credit Union Visa Prosper Signature Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Associated Credit Union Visa Prosper Signature Credit Card has lower than average purchase APRs.

Associated Credit Union Visa Prosper Signature Credit Card has a variable purchase APR that ranges from 8.9% up to 10.9%. The card has a variable balance transfer APR that ranges from 8.9% up to 10.9%. It also has a variable cash advance APR that ranges from 8.9% up to 10.9%. 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.

Does Associated Credit Union Visa Prosper Signature Credit Card have an introductory APR offer on balance transfers?

No, Associated Credit Union Visa Prosper Signature Credit Card does not come with an introductory APR offer for balance transfers.

Does Associated Credit Union Visa Prosper Signature Credit Card have an introductory APR offer on new purchases?

Associated Credit Union Visa Prosper Signature Credit Card does not offer an introductory rate on new purchases.

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

The following fees apply to Associated Credit Union Visa Prosper Signature Credit Card:

  • 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

Does Associated Credit Union Visa Prosper Signature Credit Card have a foreign transaction fee?

Associated Credit Union Visa Prosper Signature Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

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 8:00am - 4:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 8:00am - 4:00pm
  • Friday 8:00am - 4:00pm
  • Saturday Closed

About Associated Credit Union Visa Prosper Signature Credit Card

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View all personal credit cards offered by Associated Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $3
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $3
Minimum Interest Charge $10
Returned Payment Fee Up to $30
Paper Statement Fee $5
Late Fee Amount Up to $35
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Internet / Cable / Phone Services
  • Restaurants
  • Every Purchase
Cash Advance APR (Variable APR) 8.9% - 10.9%
Balance Computation “Average daily balance (including new purchases”).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 8.9% - 10.9%
Balance Transfer APR (Variable APR) 8.9% - 10.9%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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