Collegedale CU Mastercard Ultimate Credit Card
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| 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 Ultimate Credit Card Review
This is a rewards card issued by Collegedale Credit Union. If you're wondering whether Collegedale CU Mastercard Ultimate Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Collegedale CU Mastercard Ultimate 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 rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 5% Balance transfer fee. Collegedale CU Mastercard Ultimate 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 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.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Collegedale CU Mastercard Ultimate Credit Card
| The Good | The Bad |
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Collegedale CU Mastercard Ultimate Credit Card FAQ
Does Collegedale CU Mastercard Ultimate Credit Card have a cash back or rewards program?
Collegedale CU Mastercard Ultimate Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Collegedale CU Mastercard Ultimate Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Collegedale CU Mastercard Ultimate Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Collegedale CU Mastercard Ultimate 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 Collegedale CU Mastercard Ultimate 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 Ultimate 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 CU Mastercard Ultimate 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.
| 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 CU Mastercard Ultimate 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 CU Mastercard Ultimate Credit Card?
The following fees apply:
| Description | |
|---|---|
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 5% |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee? | |
| Annual Fee | $0 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Collegedale CU Mastercard Ultimate Credit Card have a foreign transaction fee?
Collegedale CU Mastercard Ultimate 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 CU Mastercard Ultimate Credit Card?
The Collegedale CU Mastercard Ultimate Credit Card customer service number is (423) 396-2101.
What is the support contact email for Collegedale CU Mastercard Ultimate Credit Card?
The support contact email for Collegedale CU Mastercard Ultimate Credit Card is ccu@collegedale.org.
What is the Collegedale CU Mastercard Ultimate Credit Card login page?
You can access the Collegedale CU Mastercard Ultimate Credit Card login page here.
How do people rate the customer service and user experience of Collegedale CU Mastercard Ultimate Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Collegedale CU Mastercard Ultimate Credit Card report your account activity to credit bureaus?
Yes, Collegedale CU Mastercard Ultimate 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 CU Mastercard Ultimate Credit Card
- Visit the Collegedale CU Mastercard Ultimate 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.
Contact
- Headquarters
-
5046 University Dr
Collegedale, TN 37315 - (423) 396-2101
- Visit Site
- Email Support
Other Services by Collegedale Credit Union
Other Credit Cards by Collegedale Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
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- Minnesota
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- Nevada
- New Hampshire
- New Jersey
- New Mexico
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- Ohio
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- 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 |
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