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  Community Choice Credit Union of Iowa Visa Classic

Community Choice Credit Union of Iowa Visa Classic

in Personal Credit Cards from Community Choice Credit Union of Iowa

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Community Choice Credit Union of Iowa Visa Classic

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 600 - 800
Annual Fee N/A

Community Choice Credit Union of Iowa Visa Classic Review

This is a secured credit card rewards credit card issued by Community Choice Credit Union of Iowa. If you're wondering whether Community Choice Credit Union of Iowa Visa Classic 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% every time you make a transaction outside the U.S.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, 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 oods if your credit score is above600.
Pros & Cons of Community Choice Credit Union of Iowa Visa Classic
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.
  • Offers auto rental collision damage waiver.
  • 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 purchases everywhere Community Choice Credit Union of Iowa Visa Classic is accepted.
  • Community Choice Credit Union of Iowa Visa Classic reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Community Choice Credit Union of Iowa Visa Classic FAQ

Does Community Choice Credit Union of Iowa Visa Classic have a cash back or rewards program?

Community Choice Credit Union of Iowa Visa Classic is a travel rewards card.

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

Does Community Choice Credit Union of Iowa Visa Classic have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Community Choice Credit Union of Iowa Visa Classic offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Community Choice Credit Union of Iowa Visa Classic benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Trip Cancellation Insurance
  • Price Protection
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Community Choice Credit Union of Iowa Visa Classic?

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 Visa Classic have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of up to 10 months.

Community Choice Credit Union of Iowa Visa Classic Balance Transfers
Description
Balance Transfer Introductory APR 4.99%
Balance Transfer Intro APR Period 10 months
Balance Transfer APR Starting at 12.75%

Does Community Choice Credit Union of Iowa Visa Classic have an intro APR offer on new purchases?

Community Choice Credit Union of Iowa Visa Classic Purchase Intro Offer
Description
Introductory Rate 4.99%
Purchase Intro APR Period 10 months

This card does offer an intro APR rate of 4.99% on qualified purchases for a period of up to 10 months.

What are the fees for Community Choice Credit Union of Iowa Visa Classic?

The following fees apply:

Community Choice Credit Union of Iowa Visa Classic Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%

Does Community Choice Credit Union of Iowa Visa Classic have a foreign transaction fee?

Community Choice Credit Union of Iowa Visa Classic charges a foreign transaction fee of 1%. 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 Visa Classic?

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

Does Community Choice Credit Union of Iowa Visa Classic report your account activity to credit bureaus?

Yes, Community Choice Credit Union of Iowa Visa Classic 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 Visa Classic

  • Visit the Community Choice Credit Union of Iowa Visa Classic 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 Visa Classic'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 Visa Classic

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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

Every Purchase (Points) How to Avoid Paying Interest on Purchases. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Introductory Rate 4.99%
Purchase Intro APR Period (Variable APR) 10 months
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Returned Payment Fee Starting at $27
Paper Statement Fee $5
Additional Card Fee Amount $5
Late Fee Amount Starting at $15
Customer Type Personal
Minimum Age 18
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 - 800
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • 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 a method called "average daily balance (including new purchases)
Purchase APR (Variable APR) Starting at 12.75%
Balance Transfer Introductory APR (Variable APR) 4.99%
Balance Transfer Intro APR Period (Variable APR) 10 months
Balance Transfer APR (Variable APR) Starting at 12.75%
Card Type
  • Rewards
  • Secured
  • Travel
  • Bonus Offers
Card Network Visa

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