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  Community First CU Florida Visa Credit Card
Community First CU Florida Visa Credit Card Unaffiliated

Community First CU Florida Visa Credit Card

Unaffiliated
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Highlights
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
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • No Personal Guarantee Required.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Community First CU Florida Visa Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1.0%.

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.

Community First CU Florida Visa Credit Card Rewards
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:

Community First CU Florida Visa Credit Card Fees
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.

View Community First CU Florida Visa Credit Card'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 - 6:00pm
  • Saturday 9:00am - 3:00pm

About Community First CU Florida Visa Credit Card

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View all credit cards offered by Community First Credit Union of Florida

Availability

  Available in 1 state
Florida
Availabile in all of Florida

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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
  • Airport Lounge Access
  • No Personal Guarantee Required
Rewards Categories
  • 1x Point on Every Purchase
Signup Bonus Starting at $1.00
Cash Advance APR (Variable APR) Starting at 10.65%
APR Type Variable APR
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances.)"
Purchase APR (Variable APR) Starting at 10.65%
(Verified 10/27/2022)
Balance Transfer Fee % After Intro Period Starting at 10.65%
Balance Transfer APR (Variable APR) Starting at 10.65%
(Verified 10/27/2022)
Card Type
  • Rewards
  • Cashback
  • Travel
Card Network Visa

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