Christian Community CU IM Rewards Credit Card

Christian Community CU IM Rewards Credit Card Review

This is a cashback card issued by Christian Community Credit Union. If you're wondering whether Christian Community CU IM Rewards 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 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 CU IM Rewards 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 eligible purchases, but you don't have to pay an annual fee for the privilege.
• 2% Balance transfer fee. Christian Community CU IM Rewards 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, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Christian Community CU IM Rewards Credit Card

Christian Community CU IM Rewards Credit Card FAQ

Does Christian Community CU IM Rewards Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Christian Community CU IM Rewards Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Christian Community CU IM Rewards Credit Card?

Christian Community CU IM Rewards 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%.

What are the fees for Christian Community CU IM Rewards Credit Card?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Christian Community CU IM Rewards Credit Card report your account activity to credit bureaus?

Yes, Christian Community CU IM 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 Christian Community CU IM Rewards Credit Card

• Visit the Christian Community CU IM 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.