SuperMoney
Explore
Compare Rates

Compare All Personal Credit Cards

Filter & compare all your options in one place.

View All Personal Credit Cards
x No thanks, not right now
Advertiser Disclosure
  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

Unaffiliated

Community Choice Credit Union of Iowa Standard Mastercard

Unaffiliated

in Personal Credit Cards from Community Choice Credit Union of Iowa

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Community Choice Credit Union of Iowa Standard Mastercard to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
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

This 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 review will provide you with with all the details you need 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.
Pros & Cons of Community Choice Credit Union of Iowa Standard Mastercard
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

Does Community Choice Credit Union of Iowa Standard Mastercard 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.

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?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

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

It 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 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 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 intro APR offer on balance transfers?

Yes, it offers an intro 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 intro 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 intro 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:

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 foreign transaction fees.

What is the customer service phone number for Community Choice Credit Union of Iowa Standard Mastercard?

The Community Choice Credit Union of Iowa Standard Mastercard customer service number is (515) 334-8100.

What is the support contact email for Community Choice Credit Union of Iowa Standard Mastercard?

The support contact email for Community Choice Credit Union of Iowa Standard Mastercard is onlinefraud@comchoicecu.org.

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

Icon for Personal Credit Cards
View all personal credit cards offered by Community Choice Credit Union of Iowa
View Community Choice Credit Union of Iowa Profile

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

Be the first to rate

 

Would you recommend Community Choice Credit Union of Iowa Standard Mastercard to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Strongly recommended

15 Reviews

Strongly recommended

17 Reviews

Mostly recommended

24 Reviews

View All

Community Choice Credit Union of Iowa Personal Credit Cards

Loading...
Browse Personal Credit Cards
SuperMoney
Goals
Partner with us
Go to homepage

NMLS Consumer Access ID #1520999

Copyright 2021 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

This content is not provided by any financial institution. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.