
Columbia Credit Union Visa Signature CashPlus Credit Card
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Purchase APR (Variable APR) |
15.74% - 22.74% (Verified 11/09/2022) |
Balance Transfer APR (Variable APR) |
15.74% - 22.74% (Verified 11/09/2022) |
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.
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
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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 $12.5 back in cash.
Minimum rewards rate | 1.25x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | $200 |
Signup Bonus (Points/Miles) | 16000 |
Signup Bonus Spend Requirement | $3000 |
Signup Bonus Spend Period (months) | 3 months |
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. 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.
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.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 15.74% - 22.74% |
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?
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
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.
What is the support contact email for Columbia Credit Union Visa Signature CashPlus Credit Card?
The support contact email for Columbia Credit Union Visa Signature CashPlus Credit Card is info@columbiacu.org.
What is the Columbia Credit Union Visa Signature CashPlus Credit Card login page?
You can access the Columbia Credit Union Visa Signature CashPlus Credit Card login page here.
How do people rate the customer service and user experience of Columbia Credit Union Visa Signature CashPlus Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
200 SE Park Plaza Dr
Vancouver, WA 98684 USA - (360) 891-4000
- Visit Site
- Email Support
Other Services by Columbia Credit Union
Availability
- Oregon
- Washington
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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