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  Black Hills Federal Credit Union Visa Signature® Rewards Credit Card

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card

in Personal Credit Cards from Black Hills Federal Credit Union

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Black Hills Federal Credit Union Visa Signature® Rewards Credit Card

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in Personal Credit Cards from Black Hills Federal Credit Union

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Highlights
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 Federal Credit Union Visa Signature® Rewards Credit Card Review

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card is a rewards credit card issued by Black Hills Federal Credit Union. If you're wondering whether Black Hills Federal Credit Union Visa Signature® Rewards 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. Black Hills Federal Credit Union Visa Signature® Rewards 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 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. After the introductory period, the fee is 0%.
  • 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, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Black Hills Federal Credit Union Visa Signature® Rewards Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.9%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere Black Hills Federal Credit Union Visa Signature® Rewards Credit Card is accepted.
  • Black Hills Federal Credit Union Visa Signature® Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Black Hills Federal Credit Union Visa Signature® Rewards Credit Card FAQ

Is there a Black Hills Federal Credit Union Visa Signature® Rewards Credit Card cash back or rewards program?

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card offers a rewards program to its customers.

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Black Hills Federal Credit Union Visa Signature® Rewards Credit Card have a signup bonus?

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card doesn't offer a cash signup bonus.

Does Black Hills Federal Credit Union Visa Signature® Rewards Credit Card offer an annual loyalty bonus?

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the Black Hills Federal Credit Union Visa Signature® Rewards Credit Card benefits?

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card provides the following benefits:

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

What are the relevant APRs for Black Hills Federal Credit Union Visa Signature® Rewards 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. Black Hills Federal Credit Union Visa Signature® Rewards Credit Card has lower than average purchase APRs.

Black Hills Federal Credit Union Visa Signature® Rewards 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 Federal Credit Union Visa Signature® Rewards Credit Card have an introductory APR offer on balance transfers?

Yes, Black Hills Federal Credit Union Visa Signature® Rewards Credit Card offers an introductory APR rate on balance transfers of 2.9% for a period of up to 12 months.

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
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 Federal Credit Union Visa Signature® Rewards Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 2.9% on qualified purchases for a period of up to 12 months.

Black Hills Federal Credit Union Visa Signature® Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 2.9%
Purchase Intro APR Period 12 months

What are the fees for Black Hills Federal Credit Union Visa Signature® Rewards Credit Card?

The following fees apply to Black Hills Federal Credit Union Visa Signature® Rewards Credit Card:

  • There is no overlimit fee
Black Hills Federal Credit Union Visa Signature® Rewards Credit Card Fees
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

Does Black Hills Federal Credit Union Visa Signature® Rewards Credit Card have a foreign transaction fee?

Black Hills Federal Credit Union Visa Signature® 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 a foreign transaction fee.

Does Black Hills Federal Credit Union Visa Signature® Rewards Credit Card report your account activity to credit bureaus?

Yes, Black Hills Federal Credit Union Visa Signature® 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 Black Hills Federal Credit Union Visa Signature® Rewards Credit Card

  • Visit the Black Hills Federal Credit Union Visa Signature® 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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About Black Hills Federal Credit Union Visa Signature® Rewards Credit Card

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View all personal credit cards offered by Black Hills Federal Credit Union

Availability

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

Feature Breakdown

Introductory Rate 2.9%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Additional Card Fee Amount $0
Initial Program Fee $0
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Paper Statement Fee $1
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Entertainment
  • Every Purchase
  • Travel
  • Restaurants
Cash Advance APR (Variable APR) 7.75% - 17.9%
Balance Computation "Average daily balance (including new purchases)."
Purchase APR (Variable APR) 7.75% - 17.9%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 2.9%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 7.75% - 17.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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