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  California Credit Union Rewards Visa® Credit Card

California Credit Union Rewards Visa® Credit Card

in Personal Credit Cards from California Credit Union

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California Credit Union Rewards Visa® Credit Card

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in Personal Credit Cards from California Credit Union

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Highlights
Purchase APR  (Variable APR) 10.9% - 16.9%
Balance Transfer APR  (Variable APR) 10.9% - 16.9%
Credit Score Range 650 - 850
Annual Fee $0

California Credit Union Rewards Visa® Credit Card Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

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
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere California Credit Union Rewards Visa® Credit Card is accepted.
  • California Credit Union Rewards Visa® Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
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.

California Credit Union Rewards Visa® Credit Card Rewards
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. It has lower than average regular APRs.

It 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.

California Credit Union Rewards Visa® Credit Card Balance Transfers
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?

California Credit Union Rewards Visa® Credit Card Purchase Intro Offer
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:

California Credit Union Rewards Visa® Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%

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.

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.

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 - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by California Credit Union

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View all personal credit cards offered by California Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Every Purchase
Signup Bonus (points) 3,500
Purchase APR (Variable APR) 10.9% - 16.9%
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.9% - 16.9%
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Balance Transfer
  • Bonus Offers
  • Zero Percent
Card Network Visa

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