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  Community First Credit Union of Florida Visa Signature Credit Card

Community First Credit Union of Florida Visa Signature Credit Card

in Personal Credit Cards from Community First Credit Union of Florida

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Community First Credit Union of Florida Visa Signature Credit Card

Unaffiliated

in Personal Credit Cards from Community First Credit Union of Florida

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Highlights
Purchase APR  (Fixed APR) 10.40% - 17.25%
Balance Transfer APR  (Fixed APR) 10.40% - 17.25%
Credit Score Range 600 - 850
Annual Fee N/A

Community First Credit Union of Florida Visa Signature Credit Card Review

This is a cashback credit card issued by Community First Credit Union of Florida. If you're wondering whether Community First Credit Union of Florida Visa Signature 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.

Key Takeaways
  • Competitive APRs. Community First Credit Union of Florida Visa Signature Credit Card has a fixed purchase APR that ranges from 10.40% up to 17.25%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Community First Credit Union of Florida Visa Signature Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.9%.
  • No balance transfer fee, if you transfer the balance within 90 days. After the intro period, the fee is 10.40%.
  • Multiple credit card perks.
  • Access to a concierge.
  • 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.
  • Community First Credit Union of Florida Visa Signature Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Community First Credit Union of Florida Visa Signature Credit Card FAQ

Does Community First Credit Union of Florida Visa Signature Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

What are the Community First Credit Union of Florida Visa Signature Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • 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 Credit Union of Florida Visa Signature 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. It has lower than average regular APRs.

It has a fixed purchase APR that ranges from 10.40% up to 17.25%. The card has a fixed balance transfer APR that ranges from 10.40% up to 17.25%. It also has a fixed cash advance APR that ranges from 10.40% up to 17.25%.

Does Community First Credit Union of Florida Visa Signature Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.9% for a period of up to 12 months.

Community First Credit Union of Florida Visa Signature Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 10.40% - 17.25%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR 1.9%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.40% - 17.25%

Does Community First Credit Union of Florida Visa Signature Credit Card have an intro APR offer on new purchases?

Community First Credit Union of Florida Visa Signature Credit Card Purchase Intro Offer
Description
Introductory Rate 1.90%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 1.90% on qualified purchases for a period of up to 12 months.

What are the fees for Community First Credit Union of Florida Visa Signature Credit Card?

The following fees apply:

Community First Credit Union of Florida Visa Signature Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Community First Credit Union of Florida Visa Signature Credit Card have a foreign transaction fee?

Community First Credit Union of Florida Visa Signature Credit Card 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 First Credit Union of Florida Visa Signature Credit Card?

The Community First Credit Union of Florida Visa Signature Credit Card customer service number is (904) 354-8537.

What is the support contact email for Community First Credit Union of Florida Visa Signature Credit Card?

The support contact email for Community First Credit Union of Florida Visa Signature Credit Card is CommunityFirst@c1cufl.org.

Does Community First Credit Union of Florida Visa Signature Credit Card report your account activity to credit bureaus?

Yes, Community First Credit Union of Florida Visa Signature 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 Credit Union of Florida Visa Signature Credit Card

  • Visit the Community First Credit Union of Florida Visa Signature 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 Credit Union of Florida Visa Signature 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 Credit Union of Florida Visa Signature Credit Card

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

Availability

  Available in 1 state
Florida
Availabile in all of Florida

Feature Breakdown

Introductory Rate 1.90%
Purchase Intro APR Period (Fixed APR) 12 months
No Annual Fee
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Paper Statement Fee $3.00
Additional Card Fee Amount $10.00
Late Fee Amount Up to $25
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 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
  • Travel
Cash Advance APR (Fixed APR) 10.40% - 17.25%
Balance Computation We use a method called "Average Daily Balance (excluding new purchases) (including new balance transfers and cash advances.)"
Purchase APR (Fixed APR) 10.40% - 17.25%
Balance Transfer Fee % After Intro Period 10.40% - 17.25%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR (Fixed APR) 1.9%
Balance Transfer Intro APR Period (Fixed APR) 12 months
Balance Transfer APR (Fixed APR) 10.40% - 17.25%
Card Type
  • Cashback
  • Travel
  • Bonus Offers
Card Network Visa

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