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.

• 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.

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%.

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

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% .

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 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.