Last Updated: 07/28/2025
Black Hills FCU Visa Cash Back Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
7.75% - 17.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
7.75% - 17.9%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Black Hills FCU Visa Cash Back Credit Card Review
This is a cashback credit card issued by Black Hills Federal Credit Union. If you're wondering whether Black Hills FCU Visa Cash Back Credit Card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $200.
- APRs: Black Hills FCU Visa Cash Back Credit Card has a variable regular purchase APR that ranges from 7.75% up to 17.9%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 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, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Black Hills FCU Visa Cash Back Credit Card
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Black Hills FCU Visa Cash Back Credit Card FAQ
Does Black Hills FCU Visa Cash Back Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Black Hills FCU Visa Cash Back Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Black Hills FCU Visa Cash Back Credit Card has a variable purchase APR that ranges from 7.75% up to 17.9%. The card has a variable balance transfer APR that ranges from 7.75% up to 17.9%. It also has a variable cash advance APR that ranges from 7.75% up to 17.9%.
Does Black Hills FCU Visa Cash Back Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.9% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 7.75% - 17.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Black Hills FCU Visa Cash Back Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.90% on qualified purchases for a period of 12 months.
What are the fees for Black Hills FCU Visa Cash Back Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Black Hills FCU Visa Cash Back Credit Card have a foreign transaction fee?
Black Hills FCU Visa Cash Back Credit Card charges a foreign transaction fee of up to 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 Black Hills FCU Visa Cash Back Credit Card?
The customer service number for Black Hills FCU Visa Cash Back Credit Card is (605) 718-1818.
What is the support contact email for Black Hills FCU Visa Cash Back Credit Card?
The support contact email for Black Hills FCU Visa Cash Back Credit Card is bhfcu@bhfcu.net.
What is the login page for Black Hills FCU Visa Cash Back Credit Card?
You can access the login page of Black Hills FCU Visa Cash Back Credit Card here.
How do people rate the customer service and user experience of Black Hills FCU Visa Cash Back Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Black Hills FCU Visa Cash Back Credit Card report your account activity to credit bureaus?
Yes, Black Hills FCU Visa Cash Back Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Black Hills Federal Credit Union perform a hard credit pull?
Yes, Black Hills FCU Visa Cash Back Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Black Hills FCU Visa Cash Back Credit Card
- Visit the website of Black Hills FCU Visa Cash Back Credit Card.
- 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.
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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
Closed