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  Columbia Credit Union Visa Signature CashPlus Credit Card

Columbia Credit Union Visa Signature CashPlus Credit Card

in Personal Credit Cards from Columbia Credit Union

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Columbia Credit Union Visa Signature CashPlus Credit Card

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in Personal Credit Cards from Columbia Credit Union

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Highlights
Purchase APR  (Variable APR) 12.74% - 19.74%
Balance Transfer APR  (Variable APR) 12.74% - 19.74%
Credit Score Range 650 - 850
Annual Fee $0

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. This review will provide you with with all the details you need to make a good choice.

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 $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 12.74% up to 19.74%.
  • 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.
  • $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 oods if your credit score is above650.
Pros & Cons of Columbia Credit Union Visa Signature CashPlus Credit Card
The Good The Bad
  • 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.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Columbia Credit Union Visa Signature CashPlus Credit Card is accepted.
  • 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 ($) Up to $200
Signup Bonus (Points/Miles) 16000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does Columbia Credit Union Visa Signature CashPlus Credit Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $200 after spending $3000. However, it does include a 16000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does Columbia Credit Union Visa Signature CashPlus Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.74% up to 19.74%. The card has a variable balance transfer APR that ranges from 12.74% up to 19.74%. It also has a variable cash advance APR that ranges from 12.74% up to 19.74%. 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.

Does Columbia Credit Union Visa Signature CashPlus 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 6 months.

Columbia Credit Union Visa Signature CashPlus Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 12.74% - 19.74%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Columbia Credit Union Visa Signature CashPlus Credit Card have an intro APR offer on new purchases?

Columbia Credit Union Visa Signature CashPlus Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

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 have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Columbia Credit Union Visa Signature CashPlus Credit Card?

The Columbia Credit Union Visa Signature CashPlus Credit Card customer service number is (360) 891-4000.

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.

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 - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by Columbia Credit Union

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View all personal credit cards offered by Columbia Credit Union

Availability

  Available in 2 states
  • Oregon
  • Washington

Feature Breakdown

Every Purchase (Points) 1.25
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Rates
  • Every Purchase
Signup Bonus (points) 16,000
Signup Bonus $200
Cash Advance APR (Variable APR) 12.74% - 19.74%
Balance Computation "average daily balance (including new purchases).
Credit Limit Starting at $5,000
Penalty APR (Variable APR) 22.74%
Purchase APR (Variable APR) 12.74% - 19.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 12.74% - 19.74%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

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