Christian Community Credit Union IM Visa® Signature Rewards Credit Card Review

Christian Community Credit Union IM Visa® Signature Rewards Credit Card is a cashback credit card issued by Christian Community Credit Union. If you're wondering whether Christian Community Credit Union IM 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.

• 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 IM Visa® Signature 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 purchases, but you don't have to pay an annual fee for the privilege.
• 2% Balance transfer fee. Christian Community Credit Union IM Visa® Signature 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 oods if your credit score is above600.

The Good

The Bad

Earns CURewards + Up to 10,000 CURewards Bonus Points. Earn Double Points for Donations to IM and Your Church. $50 to IM 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. Access to a concierge. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere Christian Community Credit Union IM Visa® Signature Rewards Credit Card is accepted. Christian Community Credit Union IM Visa® Signature Rewards Credit Card reports to multiple credit bureaus.

Charges a foreign transaction fee of 1%. Charges a 2% balance transfer fee.

Is there a Christian Community Credit Union IM Visa® Signature Rewards Credit Card cash back or rewards program?

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

Christian Community Credit Union IM Visa® Signature Rewards 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

What are the Christian Community Credit Union IM Visa® Signature Rewards Credit Card benefits?

Christian Community Credit Union IM Visa® Signature Rewards Credit Card 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 Credit Union IM 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. Christian Community Credit Union IM Visa® Signature Rewards Credit Card has lower than average purchase APRs.

Christian Community Credit Union IM Visa® Signature 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 Credit Union IM Visa® Signature Rewards Credit Card?

The following fees apply to Christian Community Credit Union IM Visa® Signature Rewards Credit Card:

Christian Community Credit Union IM Visa® Signature Rewards 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 IM Visa® Signature Rewards Credit Card report your account activity to credit bureaus?

Yes, Christian Community Credit Union IM 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 Christian Community Credit Union IM Visa® Signature Rewards Credit Card

• Visit the Christian Community Credit Union IM 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.