Community First CU Florida Visa Credit Card
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| Purchase APR (Variable APR) |
Starting at 10.65% (Verified 10/27/2022) |
| Balance Transfer APR (Variable APR) |
Starting at 10.65% (Verified 10/27/2022) |
| Credit Score Range | 300 - 850 |
| Annual Fee | N/A |
Community First CU Florida Visa Credit Card Review
This is a cashback credit card issued by Community First Credit Union of Florida. If you're wondering whether Community First CU Florida Visa Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 10,000 Bonus Points when you spend $1,000 in the first 90 days from account opening. reward points per dollar spent.
- Signup bonus. Offers a signup bonus of up to $1.00 within 3 months.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.0% every time you make a transaction outside the U.S.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- 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.
Pros & Cons of Community First CU Florida Visa Credit Card
| The Good | The Bad |
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Community First CU Florida Visa Credit Card FAQ
Does Community First CU Florida Visa 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. You will receive 1X Points on all other purchases.% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 10,000 Bonus Points when you spend $1,000 in the first 90 days from account opening.% for purchases in a bonus category.
| Minimum rewards rate | 1X Points on all other purchases.x |
| Max rewards rate | 10,000 Bonus Points when you spend $1,000 in the first 90 days from account opening.x |
| Annual rewards limit | N/A |
| Signup Bonus ($) | Starting at $1.00 |
| Signup Bonus Spend Period (months) | 3 months |
Does Community First CU Florida Visa Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $1,000.00.
Does Community First CU Florida Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Community First CU Florida Visa 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 First CU Florida Visa 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 First CU Florida Visa Credit Card has a variable purchase APR starting at 10.65% . The card has a variable balance transfer APR starting at 10.65% . It also has a variable cash advance APR starting at 10.65% .
Does Community First CU Florida Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Community First CU Florida Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Community First CU Florida Visa Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 1.0% |
Does Community First CU Florida Visa Credit Card have a foreign transaction fee?
Community First CU Florida Visa Credit Card charges a foreign transaction fee of 1.0%. 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 First CU Florida Visa Credit Card?
The Community First CU Florida Visa Credit Card customer service number is (904) 354-8537.
What is the support contact email for Community First CU Florida Visa Credit Card?
The support contact email for Community First CU Florida Visa Credit Card is CommunityFirst@c1cufl.org.
What is the Community First CU Florida Visa Credit Card login page?
You can access the Community First CU Florida Visa Credit Card login page here.
How do people rate the customer service and user experience of Community First CU Florida Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Community First CU Florida Visa Credit Card report your account activity to credit bureaus?
Yes, Community First CU Florida Visa 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 First CU Florida Visa Credit Card
- Visit the Community First CU Florida Visa 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.
Contact
- Headquarters
-
P.O. Box 2600
Jacksonville, FL 32232 USA - (904) 354-8537
- Visit Site
- Email Support
About Community First CU Florida Visa Credit Card
Availability
Feature Breakdown
| Cash Advance Fee Minimum | $10.00 |
| Cash Advance Fee (%) | 9.90% - 16.25% |
| Minimum Cash Advance Fee ($) | Starting at $10.00 |
| Foreign Currency Transaction Fee | 1.0% |
| Minimum Interest Charge | $1.00 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Starting at $25.00 |
| Paper Statement Fee | $3.00 |
| Additional Card Fee Amount | $10.00 |
| Late Fee Amount | Starting at $25.00 |
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