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  Bellco Credit Union Visa Colorado Rewards Credit Card
Bellco Credit Union Visa Colorado Rewards Credit Card Unaffiliated

Bellco Credit Union Visa Colorado Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 15.25% - 21%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 15.25% - 21%
(Verified 08/04/2023)
Credit Score Range 650 - 850
Annual Fee $0

Bellco Credit Union Visa Colorado Rewards Credit Card Review

This is a rewards 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.

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 15.25% 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%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, 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 odds if your credit score is above 650.

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
  • Potentially 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. There is then a variable purchase APR that ranges from 15.25% up to 21%.
  • 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.
  • Charges a foreign transaction fee of 1%.

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. This card has lower than average regular APRs.

Bellco Credit Union Visa Colorado Rewards Credit Card has a variable purchase APR that ranges from 15.25% up to 21%. The card has a variable balance transfer APR that ranges from 15.25% up to 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 15.25% - 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
Description
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) $10 - $75
Foreign Currency Transaction Fee 1%
No Annual Fee?
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $10
Late Fee Amount $25

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

Does Bellco Credit Union Visa Colorado Rewards Credit Card have a foreign transaction fee?

Bellco Credit Union Visa Colorado Rewards Credit Card 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 foreign transaction fees.

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.

What is the support contact email for Bellco Credit Union Visa Colorado Rewards Credit Card?

The support contact email for Bellco Credit Union Visa Colorado Rewards Credit Card is memberservice@bellco.org.

What is the Bellco Credit Union Visa Colorado Rewards Credit Card login page?

You can access the Bellco Credit Union Visa Colorado Rewards Credit Card login page here.

How do people rate the customer service and user experience of Bellco Credit Union Visa Colorado Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Other Services by Bellco Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) $10 - $75
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $10
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
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%
APR Type Variable APR
Balance Computation “average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 15.25% - 21%
(Verified 08/04/2023)
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) 15.25% - 21%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Bonus Offers
  • Zero Percent
Card Network Visa

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