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  CommunityAmerica Credit Union Visa Low Rate

CommunityAmerica Credit Union Visa Low Rate

in Personal Credit Cards from CommunityAmerica Credit Union

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CommunityAmerica Credit Union Visa Low Rate

Unaffiliated

in Personal Credit Cards from CommunityAmerica Credit Union

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Highlights
Purchase APR  (Variable APR) 10.24% - 21.00%
Balance Transfer APR  (Variable APR) 10.24% - 21.00%
Credit Score Range 300 - 850
Annual Fee N/A

CommunityAmerica Credit Union Visa Low Rate Review

This is a credit card issued by CommunityAmerica Credit Union. If you're wondering whether CommunityAmerica Credit Union Visa Low Rate 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. CommunityAmerica Credit Union Visa Low Rate has a variable purchase APR that ranges from 10.24% up to 21.00%.
  • 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 rental insurance, 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of CommunityAmerica Credit Union Visa Low Rate
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • 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.
  • CommunityAmerica Credit Union Visa Low Rate reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
CommunityAmerica Credit Union Visa Low Rate FAQ

Does CommunityAmerica Credit Union Visa Low Rate have a cash back or rewards program?

No, it does not offer a rewards program.

What are the CommunityAmerica Credit Union Visa Low Rate benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • 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 CommunityAmerica Credit Union Visa Low Rate?

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 variable purchase APR that ranges from 10.24% up to 21.00%. The card has a variable balance transfer APR that ranges from 10.24% up to 21.00%. It also has a variable cash advance APR that ranges from 10.24% up to 21.00%.

Does CommunityAmerica Credit Union Visa Low Rate have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

CommunityAmerica Credit Union Visa Low Rate Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR 0%
Balance Transfer APR 10.24% - 21.00%

Does CommunityAmerica Credit Union Visa Low Rate have an intro APR offer on new purchases?

CommunityAmerica Credit Union Visa Low Rate Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for CommunityAmerica Credit Union Visa Low Rate?

The following fees apply:

CommunityAmerica Credit Union Visa Low Rate Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Late Payment Fee $25 - $35

Does CommunityAmerica Credit Union Visa Low Rate have a foreign transaction fee?

CommunityAmerica Credit Union Visa Low Rate 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 CommunityAmerica Credit Union Visa Low Rate?

The CommunityAmerica Credit Union Visa Low Rate customer service number is (913) 905-7000.

What is the support contact email for CommunityAmerica Credit Union Visa Low Rate?

The support contact email for CommunityAmerica Credit Union Visa Low Rate is contactus@cacu.com.

Does CommunityAmerica Credit Union Visa Low Rate report your account activity to credit bureaus?

Yes, CommunityAmerica Credit Union Visa Low Rate 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 CommunityAmerica Credit Union Visa Low Rate

  • Visit the CommunityAmerica Credit Union Visa Low Rate 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 CommunityAmerica Credit Union Visa Low Rate'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 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About CommunityAmerica Credit Union Visa Low Rate

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View all personal credit cards offered by CommunityAmerica Credit Union

Availability

  Available in 1 state
Kansas
Availabile in all of Kansas

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $5.00
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) $5.00 - $75.00
Foreign Currency Transaction Fee 1%
Late Fee Amount $25 - $35
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
  • U.S. Temporary Resident Visa Holders
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • 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 Type Points
Cash Advance APR (Variable APR) 10.24% - 21.00%
Balance Computation We use a method called "average daily balance (including new purchases)
Purchase APR (Variable APR) 10.24% - 21.00%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 10.24% - 21.00%
Card Type
  • Low Interest
Card Network Visa

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