California Credit Union Rewards Visa® Credit Card
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| Purchase APR (Variable APR) |
10.9% - 16.9% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
10.9% - 16.9% (Verified 08/04/2023) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
California Credit Union Rewards Visa® Credit Card Review
This is a rewards card issued by California Credit Union. If you're wondering whether California Credit Union Rewards Visa® Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- 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 3500 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. California Credit Union Rewards Visa® Credit Card has a variable purchase APR that ranges from 10.9% up to 16.9%.
- 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.
- 2% Balance transfer fee. California Credit Union Rewards Visa® Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of California Credit Union Rewards Visa® Credit Card
| The Good | The Bad |
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California Credit Union Rewards Visa® Credit Card FAQ
Does California Credit Union Rewards Visa® Credit Card have a cash back or rewards program?
California Credit Union Rewards Visa® Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 3500 |
Does California Credit Union Rewards Visa® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 3500 points signup bonus that can be redeemed for travel, gifts, or other perks.Does California Credit Union Rewards Visa® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the California Credit Union Rewards Visa® Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for California Credit Union Rewards Visa® 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.California Credit Union Rewards Visa® Credit Card has a variable purchase APR that ranges from 10.9% up to 16.9%. The card has a variable balance transfer APR that ranges from 10.9% up to 16.9%.
Does California Credit Union Rewards Visa® Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 2% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 10.9% - 16.9% |
| Balance Transfer Fee % | 2% |
Does California Credit Union Rewards Visa® Credit Card have an intro APR offer on new purchases?
| 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 California Credit Union Rewards Visa® Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $ |
| Late Payment Fee |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does California Credit Union Rewards Visa® Credit Card have a foreign transaction fee?
California Credit Union Rewards Visa® 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 California Credit Union Rewards Visa® Credit Card?
The California Credit Union Rewards Visa® Credit Card customer service number is (800) 334-8788.
What is the support contact email for California Credit Union Rewards Visa® Credit Card?
The support contact email for California Credit Union Rewards Visa® Credit Card is askme@californiacu.org.
What is the California Credit Union Rewards Visa® Credit Card login page?
You can access the California Credit Union Rewards Visa® Credit Card login page here.
How do people rate the customer service and user experience of California Credit Union Rewards Visa® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does California Credit Union Rewards Visa® Credit Card report your account activity to credit bureaus?
Yes, California Credit Union Rewards Visa® 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 California Credit Union Rewards Visa® Credit Card
- Visit the California Credit Union Rewards Visa® 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
-
701 N. Brand Blvd, #400
Glendale, CA 91203 USA - (800) 334-8788
- Visit Site
- Email Support
Other Services by California Credit Union
Other Credit Cards by California Credit Union
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 | 0% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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