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  Commonwealth Credit Union Visa My Card

Commonwealth Credit Union Visa My Card

in Personal Credit Cards from CommonWealth Credit Union

Unaffiliated

Commonwealth Credit Union Visa My Card

Unaffiliated

in Personal Credit Cards from CommonWealth Credit Union

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Highlights
Purchase APR  (Variable APR) 11.15% - 22.25%
Balance Transfer APR  (Variable APR) 11.15% - 22.25%
Credit Score Range 600 - 850
Annual Fee N/A

Commonwealth Credit Union Visa My Card Review

This is a secured credit card cashback credit card issued by CommonWealth Credit Union. If you're wondering whether Commonwealth Credit Union Visa My 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 on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Commonwealth Credit Union Visa My Card has a variable purchase APR that ranges from 11.15% up to 22.25%.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 11.15%.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as airline credit, access to a concierge, emergency support, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Commonwealth Credit Union Visa My Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 5.99%.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • Multiple credit card perks.
  • Airline Credit.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Commonwealth Credit Union Visa My Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
Commonwealth Credit Union Visa My Card FAQ

Does Commonwealth Credit Union Visa My 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.

Commonwealth Credit Union Visa My Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Commonwealth Credit Union Visa My Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Commonwealth Credit Union Visa My Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Commonwealth Credit Union Visa My Card benefits?

It provides the following benefits:

  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Commonwealth Credit Union Visa My 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 11.15% up to 22.25%. The card has a variable balance transfer APR that ranges from 11.15% up to 22.25%. It also has a variable cash advance APR that ranges from 15.75% up to 22.25%.

Does Commonwealth Credit Union Visa My Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 5.99% for a period of up to 6 months.

Commonwealth Credit Union Visa My Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 11.15% - 22.25%
Balance Transfer Introductory APR 5.99%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 11.15% - 22.25%
Balance Transfer Fee % 0%

Does Commonwealth Credit Union Visa My Card have an intro APR offer on new purchases?

Commonwealth Credit Union Visa My 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 Commonwealth Credit Union Visa My Card?

The following fees apply:

Commonwealth Credit Union Visa My Card Fees
Fees Amount
Annual Fee
Returned Payment Fee up to $27.00

What is the customer service phone number for Commonwealth Credit Union Visa My Card?

The Commonwealth Credit Union Visa My Card customer service number is .

What is the support contact email for Commonwealth Credit Union Visa My Card?

The support contact email for Commonwealth Credit Union Visa My Card is info@ccuky.org.

Does Commonwealth Credit Union Visa My Card report your account activity to credit bureaus?

Yes, Commonwealth Credit Union Visa My 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 Commonwealth Credit Union Visa My Card

  • Visit the Commonwealth Credit Union Visa My 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.

View Commonwealth Credit Union Visa My Card's published terms & conditions.
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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by CommonWealth Credit Union

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Availability

  Available in 1 state
Kentucky
Availabile in all of Kentucky

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
No Foreign Transaction Fee
Cash Advance Fee Minimum $10.00
Minimum Cash Advance Fee ($) Starting at $10.00
Returned Payment Fee Up to $27.00
Late Fee Amount Starting at $25.00
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
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Airline Credit
  • Airport Lounge Access
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Cash Advance APR (Variable APR) 15.75% - 22.25%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 11.15% - 22.25%
Balance Transfer Fee % After Intro Period 11.15% - 22.25%
Balance Transfer Introductory APR (Variable APR) 5.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 11.15% - 22.25%
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Secured
  • Balance Transfer
  • Low Interest
  • Cashback
  • Travel
  • Airline
  • Bonus Offers
Card Network Visa

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