Columbia Credit Union Visa Signature CashPlus Credit Card

Columbia Credit Union Visa Signature CashPlus Credit Card Review

This is a cashback credit card issued by Columbia Credit Union. If you're wondering whether Columbia Credit Union Visa Signature CashPlus 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 6 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Signup bonus. Offers a signup bonus of up to $200 if you spend $3000 within 3 months.
• Signup bonus. Offers a signup bonus of 16000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Columbia Credit Union Visa Signature CashPlus Credit Card has a variable purchase APR that ranges from 15.74% up to 22.74%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Columbia Credit Union Visa Signature CashPlus Credit Card

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. No balance transfer fee. 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 15.74% up to 22.74%. No annual fee. Multiple credit card perks. Access to a concierge. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on their purchases. Columbia Credit Union Visa Signature CashPlus Credit Card reports to multiple credit bureaus.

Columbia Credit Union Visa Signature CashPlus Credit Card FAQ

Does Columbia Credit Union Visa Signature CashPlus 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. You will receive 1.25% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $12.5 back in cash.

Columbia Credit Union Visa Signature CashPlus Credit Card Rewards

Minimum rewards rate	1.25x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$200
Signup Bonus (Points/Miles)	16000
Signup Bonus Spend Requirement	$3000
Signup Bonus Spend Period (months)	3 months

What are the Columbia Credit Union Visa Signature CashPlus Credit Card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Columbia Credit Union Visa Signature CashPlus 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.

Columbia Credit Union Visa Signature CashPlus Credit Card has a variable purchase APR that ranges from 15.74% up to 22.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 22.74%. It also has a variable cash advance APR that ranges from 15.74% up to 22.74%. Note that late payments are subject to an APR of 22.74% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Columbia Credit Union Visa Signature CashPlus Credit Card?

The following fees apply:

• There is no overlimit fee

Columbia Credit Union Visa Signature CashPlus Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

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

Does Columbia Credit Union Visa Signature CashPlus Credit Card report your account activity to credit bureaus?

Yes, Columbia Credit Union Visa Signature CashPlus 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 Columbia Credit Union Visa Signature CashPlus Credit Card

• Visit the Columbia Credit Union Visa Signature CashPlus 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.