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  Christian Community CU OM Visa Credit Card
Christian Community CU OM Visa Credit Card
in Credit Cards from Christian Community Credit Union
Unaffiliated

Christian Community CU OM Visa Credit Card

Unaffiliated
in Credit Cards from Christian Community Credit Union
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Highlights
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 600 - 850
Annual Fee $0

Christian Community CU OM Visa Credit Card Review

This is a cashback card issued by Christian Community Credit Union. If you're wondering whether Christian Community CU OM 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 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 OM 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 eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 2% Balance transfer fee. Christian Community CU OM 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, 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 OM Visa Credit Card

The Good The Bad
  • Earns CURewards + Up to 10,000 CURewards Bonus Points.
  • Earn Double Points for Donations to OM & Your Church.
  • For every new OM Visa credit card approved, Christian Community Credit Union will donate $100 to OM.
  • Potentially 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. There is then a variable purchase APR that ranges from 10.9% up to 16.9%.
  • 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.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere Christian Community CU OM Visa Credit Card is accepted.
  • Christian Community CU OM Visa Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee

Christian Community CU OM Visa Credit Card FAQ

Does Christian Community CU OM Visa 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.

Christian Community CU OM 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 CU OM Visa Credit Card have a signup bonus?

This 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 CU OM Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Christian Community CU OM Visa Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Christian Community CU OM 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.

Christian Community CU OM 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 CU OM 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 12 months.

Christian Community CU OM 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 CU OM Visa Credit Card have an intro APR offer on new purchases?

Christian Community CU OM Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

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

What are the fees for Christian Community CU OM Visa Credit Card?

The following fees apply:

Christian Community CU OM Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee Starting at $ up to $25
Late Payment Fee Starting at up to $15

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 OM Visa Credit Card have a foreign transaction fee?

Christian Community CU OM 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 Christian Community CU OM Visa Credit Card?

The Christian Community CU OM Visa Credit Card customer service number is (800) 347-2228.

What is the support contact email for Christian Community CU OM Visa Credit Card?

The support contact email for Christian Community CU OM Visa Credit Card is info@mycccu.com.

What is the Christian Community CU OM Visa Credit Card login page?

You can access the Christian Community CU OM Visa Credit Card login page here.

How do people rate the customer service and user experience of Christian Community CU OM Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Christian Community CU OM Visa Credit Card report your account activity to credit bureaus?

Yes, Christian Community CU OM 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 CU OM Visa Credit Card

  • Visit the Christian Community CU OM 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

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Availability

  Available in 50 states and Washington, D.C.
  • 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) 12 months
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%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 25 days
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)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
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
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • Travel
  • Airfare
  • Every Purchase
  • Select Merchants
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 10.9% - 16.9%
APR Type Variable APR
Balance Computation "Average daily balance (including new purchases)."
Purchase APR (Variable APR) 10.9% - 16.9%
(Verified 08/04/2023)
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%
(Verified 08/04/2023)
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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