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  Christian Community Credit Union Freedom Challenge Visa® Credit Card

Christian Community Credit Union Freedom Challenge Visa® Credit Card

in Personal Credit Cards from Christian Community Credit Union

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Christian Community Credit Union Freedom Challenge Visa® Credit Card

Unaffiliated

in Personal Credit Cards from Christian Community 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 600 - 850
Annual Fee $0

Christian Community Credit Union Freedom Challenge Visa® Credit Card Review

Christian Community Credit Union Freedom Challenge Visa® Credit Card is a cashback credit card issued by Christian Community Credit Union. If you're wondering whether Christian Community Credit Union Freedom Challenge Visa® Credit Card is the right card for you, read on. This is everything you need to know 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 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Christian Community Credit Union Freedom Challenge 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 cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 2% Balance transfer fee. Christian Community Credit Union Freedom Challenge Visa® Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $5.
  • 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, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Christian Community Credit Union Freedom Challenge Visa® Credit Card Pros & Cons
The Good The Bad
  • Earns CURewards + Up to 10,000 CURewards Bonus Points.
  • Earn Double Points for Donations to OM & Your Church.
  • $100 to Freedom Challenge when your card is approved.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Christian Community Credit Union Freedom Challenge Visa® Credit Card is accepted.
  • Christian Community Credit Union Freedom Challenge Visa® Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
Christian Community Credit Union Freedom Challenge Visa® Credit Card FAQ

Is there a Christian Community Credit Union Freedom Challenge Visa® Credit Card cash back or rewards program?

Christian Community Credit Union Freedom Challenge Visa® Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Christian Community Credit Union Freedom Challenge Visa® Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Period (months) 6 months

Does Christian Community Credit Union Freedom Challenge Visa® Credit Card have a signup bonus?

Christian Community Credit Union Freedom Challenge Visa® Credit Card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Christian Community Credit Union Freedom Challenge Visa® Credit Card offer an annual loyalty bonus?

Christian Community Credit Union Freedom Challenge Visa® Credit Card doesn't offer a cash loyalty bonus.

What are the Christian Community Credit Union Freedom Challenge Visa® Credit Card benefits?

Christian Community Credit Union Freedom Challenge Visa® Credit Card provides the following benefits:

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

What are the relevant APRs for Christian Community Credit Union Freedom Challenge Visa® 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. Christian Community Credit Union Freedom Challenge Visa® Credit Card has lower than average purchase APRs.

Christian Community Credit Union Freedom Challenge 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%. It also has a variable cash advance APR that ranges from 10.9% up to 16.9%.

Does Christian Community Credit Union Freedom Challenge Visa® Credit Card have an introductory APR offer on balance transfers?

Yes, Christian Community Credit Union Freedom Challenge Visa® Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Christian Community Credit Union Freedom Challenge 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 12 months
Balance Transfer APR 10.9% - 16.9%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%

Does Christian Community Credit Union Freedom Challenge Visa® Credit Card have an introductory APR offer on new purchases?

Christian Community Credit Union Freedom Challenge Visa® Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Christian Community Credit Union Freedom Challenge Visa® Credit Card?

The following fees apply to Christian Community Credit Union Freedom Challenge Visa® Credit Card:

Christian Community Credit Union Freedom Challenge Visa® Credit Card Fees
Fees Amount
Annual Fee $0
Initial Program Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $15

Does Christian Community Credit Union Freedom Challenge Visa® Credit Card have a foreign transaction fee?

Christian Community Credit Union Freedom Challenge 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 a foreign transaction fee.

Does Christian Community Credit Union Freedom Challenge Visa® Credit Card report your account activity to credit bureaus?

Yes, Christian Community Credit Union Freedom Challenge 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 Christian Community Credit Union Freedom Challenge Visa® Credit Card

  • Visit the Christian Community Credit Union Freedom Challenge 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 Closed

Other Services by Christian Community Credit Union

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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) 12 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $5
Initial Program Fee $0
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $15
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • Airfare
  • Hotels
  • Every Purchase
  • Select Merchants
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 10.9% - 16.9%
Balance Computation "Average daily balance (including new purchases)."
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) 12 months
Balance Transfer APR (Variable APR) 10.9% - 16.9%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

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