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  Collegedale CU Mastercard Classic Credit Card
Collegedale CU Mastercard Classic Credit Card
in Credit Cards from Collegedale Credit Union
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Collegedale CU Mastercard Classic Credit Card

Unaffiliated
in Credit Cards from Collegedale Credit Union
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Highlights
Purchase APR  (Variable APR) 15.24% - 29.24%
(Verified 10/20/2023)
Balance Transfer APR  (Variable APR) 15.24% - 29.24%
(Verified 10/20/2023)
Credit Score Range 670 - 850
Annual Fee $0

Collegedale CU Mastercard Classic Credit Card Review

This is a cashback card issued by Collegedale Credit Union. If you're wondering whether Collegedale Credit Union Mastercard Classic Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Collegedale CU Mastercard Classic Credit Card has a variable purchase APR that ranges from 15.24% up to 29.24%.
  • 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.
  • 5% Balance transfer fee. Collegedale CU Mastercard Classic Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Collegedale Credit Union Mastercard Classic Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 11.24%.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • Collegedale CU Mastercard Classic Credit Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee

Collegedale Credit Union Mastercard Classic Credit Card FAQ

Does Collegedale Credit Union Mastercard Classic 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.

Collegedale Credit Union Mastercard Classic Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Collegedale Credit Union Mastercard Classic Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Collegedale Credit Union Mastercard Classic Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Collegedale Credit Union Mastercard Classic Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Collegedale Credit Union Mastercard Classic 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.

Collegedale CU Mastercard Classic Credit Card has a variable purchase APR that ranges from 15.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 29.24%. It also has a variable cash advance APR of 29.99% .

Does Collegedale Credit Union Mastercard Classic Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 11.24% for a period of up to 6 months.

Collegedale CU Mastercard Classic Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 11.24%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 15.24% - 29.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

Does Collegedale Credit Union Mastercard Classic Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Collegedale Credit Union Mastercard Classic Credit Card?

The following fees apply:

Collegedale CU Mastercard Classic Credit Card Fees
Description
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Foreign Currency Transaction Fee 3%
No Annual Fee?
Annual Fee $0
Minimum Interest Charge $1.50
No Interest Grace Period for Late Payment 25 days
Late Fee Amount Up to $40

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

Does Collegedale Credit Union Mastercard Classic Credit Card have a foreign transaction fee?

Collegedale Credit Union Mastercard Classic Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Collegedale Credit Union Mastercard Classic Credit Card?

The Collegedale Credit Union Mastercard Classic Credit Card customer service number is (423) 396-2101.

What is the support contact email for Collegedale Credit Union Mastercard Classic Credit Card?

The support contact email for Collegedale Credit Union Mastercard Classic Credit Card is ccu@collegedale.org.

What is the Collegedale Credit Union Mastercard Classic Credit Card login page?

You can access the Collegedale Credit Union Mastercard Classic Credit Card login page here.

How do people rate the customer service and user experience of Collegedale Credit Union Mastercard Classic Credit Card?

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

Does Collegedale CU Mastercard Classic Credit Card report your account activity to credit bureaus?

Yes, Collegedale CU Mastercard Classic 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 Collegedale Credit Union Mastercard Classic Credit Card

  • Visit the Collegedale Credit Union Mastercard Classic 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 8:00am - 4:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 6:00pm
  • Friday 8:00am - 2:00pm
  • 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

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1.50
No Interest Grace Period for Late Payment 25 days
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
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 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 29.99%
APR Type Variable APR
Balance Computation We use a method called “average daily balance (including new purchases)."
Purchase APR (Variable APR) 15.24% - 29.24%
(Verified 10/20/2023)
Balance Transfer Introductory APR (Variable APR) 11.24%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 15.24% - 29.24%
(Verified 10/20/2023)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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