Last Updated: 07/28/2025
Columbia Credit Union Visa Signature CashPlus Credit Card
Unaffiliated
in Credit Cards from Columbia Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.74% - 22.74%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.74% - 22.74%(Verified 06/21/2024)
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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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 6 months.
- Signup bonus. Offers a signup bonus of up to $200.
- Welcome offer. Offers a signup bonus of 16000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Columbia Credit Union Visa Signature CashPlus Credit Card has a variable regular 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 you have a fair credit score or better.
Pros & Cons of Columbia Credit Union Visa Signature CashPlus Credit Card
| The Good | The Bad |
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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.
| Description |
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 . However, it does include a 16000 points signup bonus 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?
Columbia Credit Union Visa Signature CashPlus Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.74% - 22.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $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 6 months.
What are the fees for Columbia Credit Union Visa Signature CashPlus Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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 customer service number for Columbia Credit Union Visa Signature CashPlus Credit Card 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 login page for Columbia Credit Union Visa Signature CashPlus Credit Card?
You can access the login page of Columbia Credit Union Visa Signature CashPlus Credit Card 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 to the following credit bureaus:
- 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 build your credit.
Does Columbia Credit Union perform a hard credit pull?
Yes, Columbia Credit Union Visa Signature CashPlus Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Columbia Credit Union Visa Signature CashPlus Credit Card
- Visit the website of Columbia Credit Union Visa Signature CashPlus Credit Card.
- 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.
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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.
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Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
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Saturday
Closed