Community Resource CU MemberSelect MasterCard

Community Resource CU MemberSelect MasterCard Review

This is a cashback credit card issued by Community Resource Credit Union. If you're wondering whether Community Resource CU MemberSelect MasterCard is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of up to $1,000.
• Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Community Resource CU MemberSelect MasterCard has a variable purchase APR that ranges from 13.99% up to 17.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 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, 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 Resource CU MemberSelect MasterCard

The Good

The Bad

Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair credit. Cardholders can earn rewards on their purchases. Community Resource CU MemberSelect MasterCard reports to multiple credit bureaus.

Community Resource CU MemberSelect MasterCard FAQ

Does Community Resource CU MemberSelect MasterCard 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 Resource CU MemberSelect MasterCard Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$1,000
Signup Bonus (Points/Miles)	5000

What are the Community Resource CU MemberSelect MasterCard benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• 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 Resource CU MemberSelect MasterCard?

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 Resource CU MemberSelect MasterCard has a variable purchase APR that ranges from 13.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 17.49%. It also has a variable cash advance APR that ranges from 16.99% up to 17.99%.

What are the fees for Community Resource CU MemberSelect MasterCard?

The following fees apply:

Community Resource CU MemberSelect MasterCard Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Community Resource CU MemberSelect MasterCard report your account activity to credit bureaus?

Yes, Community Resource CU MemberSelect MasterCard 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 Resource CU MemberSelect MasterCard

• Visit the Community Resource CU MemberSelect MasterCard 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.