Black Hills FCU Visa Cash Back Credit Card
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| Purchase APR (Variable APR) | 7.75% - 17.9% |
| Balance Transfer APR (Variable APR) | 7.75% - 17.9% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Black Hills FCU Visa Cash Back Credit Card Review
This is a cashback 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 if you spend $2000 within 3 months.
- Competitive APRs. Black Hills FCU Visa Cash Back Credit Card has a variable 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 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Black Hills FCU Visa Cash Back Credit Card
| The Good | The Bad |
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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.
What are the Black Hills FCU Visa Cash Back Credit Card benefits?
It provides the following benefits:
- 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 2.9% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 7.75% - 17.9% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 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 up to 12 months.
What are the fees for Black Hills FCU Visa Cash Back Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Initial Program Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| 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 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 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 Black Hills FCU Visa Cash Back Credit Card customer service number 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 Black Hills FCU Visa Cash Back Credit Card login page?
You can access the Black Hills FCU Visa Cash Back Credit Card login page 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 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 Black Hills FCU Visa Cash Back Credit Card
- Visit the Black Hills FCU Visa Cash Back 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.
Contact
- Headquarters
-
2700 North Plaza Drive
Rapid City, SD 57709 USA - (605) 718-1818
- Visit Site
- Email Support
About Black Hills FCU Visa Cash Back Credit Card
Availability
- 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 | 2.90% |
| Purchase Intro APR Period (Variable APR) | 12 months |
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