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  Community Choice Credit Union of Iowa Standard Mastercard

Community Choice Credit Union of Iowa Standard Mastercard

in Personal Credit Cards from Community Choice Credit Union of Iowa

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Community Choice Credit Union of Iowa Standard Mastercard

Unaffiliated

in Personal Credit Cards from Community Choice Credit Union of Iowa

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Highlights
Purchase APR  (Variable APR) Starting at 12.75%
Balance Transfer APR  (Variable APR) Starting at 12.75%
Credit Score Range 300 - 850
Annual Fee N/A

Community Choice Credit Union of Iowa Standard Mastercard Review

Community Choice Credit Union of Iowa Standard Mastercard is a cashback credit card issued by Community Choice Credit Union of Iowa. If you're wondering whether Community Choice Credit Union of Iowa Standard Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.00% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Community Choice Credit Union of Iowa Standard Mastercard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 4.99%.
  • No balance transfer fee.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Community Choice Credit Union of Iowa Standard Mastercard is accepted.
  • Community Choice Credit Union of Iowa Standard Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.00%.
Community Choice Credit Union of Iowa Standard Mastercard FAQ

Is there a Community Choice Credit Union of Iowa Standard Mastercard cash back or rewards program?

Community Choice Credit Union of Iowa Standard Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Community Choice Credit Union of Iowa Standard Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Community Choice Credit Union of Iowa Standard Mastercard have a signup bonus?

Community Choice Credit Union of Iowa Standard Mastercard doesn't offer a cash signup bonus.

Does Community Choice Credit Union of Iowa Standard Mastercard offer an annual loyalty bonus?

Community Choice Credit Union of Iowa Standard Mastercard doesn't offer a cash loyalty bonus.

What are the Community Choice Credit Union of Iowa Standard Mastercard benefits?

Community Choice Credit Union of Iowa Standard Mastercard provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Community Choice Credit Union of Iowa Standard Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Community Choice Credit Union of Iowa Standard Mastercard has lower than average purchase APRs.

Community Choice Credit Union of Iowa Standard Mastercard has a variable purchase APR starting at 12.75% . The card has a variable balance transfer APR starting at 12.75% . It also has a variable cash advance APR starting at 12.75% .

Does Community Choice Credit Union of Iowa Standard Mastercard have an introductory APR offer on balance transfers?

Yes, Community Choice Credit Union of Iowa Standard Mastercard offers an introductory APR rate on balance transfers of 4.99%

Community Choice Credit Union of Iowa Standard Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 4.99%
Balance Transfer APR Starting at 12.75%

Does Community Choice Credit Union of Iowa Standard Mastercard have an introductory APR offer on new purchases?

Community Choice Credit Union of Iowa Standard Mastercard Purchase Intro Offer
Description
Introductory Rate 12.75%

This card does offer an introductory APR rate of 12.75% on qualified purchases

What are the fees for Community Choice Credit Union of Iowa Standard Mastercard?

The following fees apply to Community Choice Credit Union of Iowa Standard Mastercard:

Community Choice Credit Union of Iowa Standard Mastercard Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1.00%

Does Community Choice Credit Union of Iowa Standard Mastercard have a foreign transaction fee?

Community Choice Credit Union of Iowa Standard Mastercard charges a foreign transaction fee of 1.00%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Community Choice Credit Union of Iowa Standard Mastercard report your account activity to credit bureaus?

Yes, Community Choice Credit Union of Iowa Standard Mastercard 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 Community Choice Credit Union of Iowa Standard Mastercard

  • Visit the Community Choice Credit Union of Iowa Standard Mastercard 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 Community Choice Credit Union of Iowa Standard Mastercard'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 9:00am - 12:00pm

About Community Choice Credit Union of Iowa Standard Mastercard

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View all personal credit cards offered by Community Choice Credit Union of Iowa

Availability

  Available in 1 state
Iowa
Availabile in all of Iowa

Feature Breakdown

Introductory Rate 12.75%
Cash Advance Fee Minimum $5.00
Cash Advance Fee (%) Starting at 3.00%
Minimum Cash Advance Fee ($) Starting at $5.00
Foreign Currency Transaction Fee 1.00%
Returned Payment Fee Starting at $27.00
Paper Statement Fee $5.00
Late Fee Amount Starting at $15.00
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 12.75%
Balance Computation We use an average daily balance method (including new purchases) to calculate balances. Rates effective November 1, 2019.
Purchase APR (Variable APR) Starting at 12.75%
Balance Transfer Introductory APR (Variable APR) 4.99%
Balance Transfer APR (Variable APR) Starting at 12.75%
Card Type
  • Rewards
  • Cashback
  • Travel
Card Network Mastercard

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