CommunityAmerica Credit Union Visa Low Rate

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.

Key Takeaways

• 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 11.24% up to 21.00%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. CommunityAmerica Credit Union Visa Low Rate charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• 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 relatively good approval odds.

Pros & Cons of CommunityAmerica Credit Union Visa Low Rate

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?

CommunityAmerica Credit Union Visa Low Rate has a variable purchase APR that ranges from 11.24% up to 21.00%. The card has a variable balance transfer APR that ranges from 11.24% up to 21.00%. It also has a variable cash advance APR that ranges from 11.24% up to 21.00%.

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

The following fees apply:

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

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.