Last Updated: 07/28/2025
CommunityAmerica Credit Union Visa Low Rate
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.24% - 21.00%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.24% - 21.00%(Verified 06/21/2024)
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Credit Score Range
300 - 850
Annual Fee
$0
CommunityAmerica Credit Union Visa Low Rate Review
This is a 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 6 months.
- APRs: CommunityAmerica Credit Union Visa Low Rate has a variable regular 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.
- A 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 up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of CommunityAmerica Credit Union Visa Low Rate
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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%.
Does CommunityAmerica Credit Union Visa Low Rate have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does CommunityAmerica Credit Union Visa Low Rate have an intro APR offer on new purchases?
| 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 6 months.
What are the fees for CommunityAmerica Credit Union Visa Low Rate?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5.00 - $75.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $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 up to 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 customer service number for CommunityAmerica Credit Union Visa Low Rate 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.
What is the login page for CommunityAmerica Credit Union Visa Low Rate?
You can access the login page of CommunityAmerica Credit Union Visa Low Rate here.
How do people rate the customer service and user experience of CommunityAmerica Credit Union Visa Low Rate?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does CommunityAmerica Credit Union Visa Low Rate report your account activity to credit bureaus?
Yes, CommunityAmerica Credit Union Visa Low Rate reports to the following credit bureaus:
- 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 build your credit.
Does CommunityAmerica Credit Union perform a hard credit pull?
Yes, CommunityAmerica Credit Union Visa Low Rate performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for CommunityAmerica Credit Union Visa Low Rate
- Visit the website of CommunityAmerica Credit Union Visa Low Rate.
- 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.
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