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.

• 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.

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%.

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

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%.

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 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.