SuperMoney
  Bellco Credit Union Visa Colorado Rewards Credit Card

Bellco Credit Union Visa Colorado Rewards Credit Card

in Personal Credit Cards from Bellco Credit Union

Unaffiliated

Bellco Credit Union Visa Colorado Rewards Credit Card

Unaffiliated

in Personal Credit Cards from Bellco Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Bellco Credit Union Visa Colorado Rewards Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 11.5% - 21%
Balance Transfer APR  (Variable APR) 21%
Credit Score Range 650 - 850
Annual Fee $0

Bellco Credit Union Visa Colorado Rewards Credit Card Review

This is a rewards credit card issued by Bellco Credit Union. If you're wondering whether Bellco Credit Union Visa Colorado Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Signup bonus. Offers a signup bonus of 15000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Bellco Credit Union Visa Colorado Rewards Credit Card has a variable purchase APR that ranges from 11.5% up to 21%.
  • 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, if you transfer the balance within 90 days of opening the account. After the introductory period, the fee is 4%.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Bellco Credit Union Visa Colorado Rewards Credit Card
The Good The Bad
  • For a limited time, you can earn 5X points on purchases at select local Colorado restaurants and small businesses Earn bonus points from national, regional, and local participating merchants - both online and in-store Earn up to 10X the bonus points when you shop popular merchants through Ampre Online Mall
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee, if you transfer the balance within 90 days. After the intro period, the fee is 4% with a minimum of $10.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Bellco Credit Union Visa Colorado Rewards Credit Card is accepted.
  • Bellco Credit Union Visa Colorado Rewards Credit Card reports to multiple credit bureaus.
Bellco Credit Union Visa Colorado Rewards Credit Card FAQ

Does Bellco Credit Union Visa Colorado Rewards Credit Card have a cash back or rewards program?

Bellco Credit Union Visa Colorado Rewards Credit Card is a rewards card.

Bellco Credit Union Visa Colorado Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 15000
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Bellco Credit Union Visa Colorado Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Bellco Credit Union Visa Colorado Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Bellco Credit Union Visa Colorado Rewards Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Bellco Credit Union Visa Colorado 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.5% up to 21%. The card has a variable balance transfer APR of 21% . It also has a variable cash advance APR of 21% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Bellco Credit Union Visa Colorado Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 3.99% for a period of up to 12 months.

Bellco Credit Union Visa Colorado Rewards Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 21%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%

Does Bellco Credit Union Visa Colorado Rewards Credit Card have an intro APR offer on new purchases?

Bellco Credit Union Visa Colorado Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Bellco Credit Union Visa Colorado Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
Bellco Credit Union Visa Colorado Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Returned Payment Fee $10
Late Payment Fee $25

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

What is the customer service phone number for Bellco Credit Union Visa Colorado Rewards Credit Card?

The Bellco Credit Union Visa Colorado Rewards Credit Card customer service number is (800) 235-5261.

Does Bellco Credit Union Visa Colorado Rewards Credit Card report your account activity to credit bureaus?

Yes, Bellco Credit Union Visa Colorado 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 Bellco Credit Union Visa Colorado Rewards Credit Card

  • Visit the Bellco Credit Union Visa Colorado 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.

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 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday 9:00am - 1:00pm

About Bellco Credit Union Visa Colorado Rewards Credit Card

Icon for Personal Credit Cards
View all personal credit cards offered by Bellco 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

Restaurants (Points) Starting at 5
Gas (Points) Starting at 3
Entertainment (Points) Starting at 3
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) $10 - $75
Returned Payment Fee $10
Late Fee Amount $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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Travel
  • Internet / Cable / Phone Services
  • Gas
  • Groceries
  • Restaurants
  • Every Purchase
  • Entertainment
  • Online
  • In-Store Eligible Purchases
  • Select Merchants
Signup Bonus (points) 15,000
Cash Advance APR (Variable APR) 21%
Balance Computation “average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.5% - 21%
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 21%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Bonus Offers
  • Zero Percent
Card Network Visa

Be the first to rate

 

Would you recommend Bellco Credit Union Visa Colorado Rewards Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Bellco Credit Union Personal Credit Cards

Loading...