Community Financial Credit Union of Michigan World Mastercard Credit Card Review

This is a cashback credit card issued by Community Financial Credit Union of Michigan. If you're wondering whether Community Financial Credit Union of Michigan World Mastercard Credit 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.

• Competitive APRs. Community Financial Credit Union of Michigan World Mastercard Credit Card has a fixed purchase APR that ranges from 8.99% up to 18%.
• 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.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

The Good

The Bad

Potentially lower than average purchase APRs. 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 Financial Credit Union of Michigan World Mastercard Credit Card is accepted. Community Financial Credit Union of Michigan World Mastercard Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus.

Does Community Financial Credit Union of Michigan World Mastercard Credit 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.

Community Financial Credit Union of Michigan World Mastercard Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Community Financial Credit Union of Michigan World Mastercard Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• 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 Community Financial Credit Union of Michigan World Mastercard Credit 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. This card has lower than average regular APRs.

Community Financial Credit Union of Michigan World Mastercard Credit Card has a fixed purchase APR that ranges from 8.99% up to 18%. The card has a fixed balance transfer APR that ranges from 8% up to 18%. It also has a fixed cash advance APR that ranges from 8.99% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Community Financial Credit Union of Michigan World Mastercard Credit Card?

The following fees apply:

• An overlimit fee of $35.

Community Financial Credit Union of Michigan World Mastercard Credit Card Fees

Fees	Amount
Annual Fee
Overlimit Fee	$35
Returned Payment Fee	up to $12
Late Payment Fee	up to $35

Does Community Financial Credit Union of Michigan World Mastercard Credit Card report your account activity to credit bureaus?

Yes, Community Financial Credit Union of Michigan World Mastercard Credit 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 Community Financial Credit Union of Michigan World Mastercard Credit Card

• Visit the Community Financial Credit Union of Michigan World Mastercard Credit 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.