Last Updated: 07/28/2025
CommunityAmerica Credit Union Visa Rewards
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.24% - 20.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
13.24% - 20.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 699
Annual Fee
$0
CommunityAmerica Credit Union Visa Rewards Review
This is a rewards card issued by CommunityAmerica Credit Union. If you're wondering whether CommunityAmerica Credit Union Visa Rewards is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- APRs: CommunityAmerica Credit Union Visa Rewards has a variable regular purchase APR that ranges from 13.24% up to 20.24%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. CommunityAmerica Credit Union Visa Rewards 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, 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 Rewards
| The Good | The Bad |
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CommunityAmerica Credit Union Visa Rewards FAQ
Does CommunityAmerica Credit Union Visa Rewards have a cash back or rewards program?
CommunityAmerica Credit Union Visa Rewards is a rewards card.
| Description |
Does CommunityAmerica Credit Union Visa Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does CommunityAmerica Credit Union Visa Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the CommunityAmerica Credit Union Visa Rewards benefits?
CommunityAmerica Credit Union Visa Rewards provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- 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 Rewards?
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 Rewards has a variable purchase APR that ranges from 13.24% up to 20.24%. The card has a variable balance transfer APR that ranges from 13.24% up to 20.24%. It also has a variable cash advance APR that ranges from 13.24% up to 20.24%.
Does CommunityAmerica Credit Union Visa Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 13.24% - 20.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 12.24% - 14.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does CommunityAmerica Credit Union Visa Rewards have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for CommunityAmerica Credit Union Visa Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 - $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $35 . Does CommunityAmerica Credit Union Visa Rewards have a foreign transaction fee?
CommunityAmerica Credit Union Visa Rewards 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 Rewards?
The customer service number for CommunityAmerica Credit Union Visa Rewards is (913) 905-7000.
What is the support contact email for CommunityAmerica Credit Union Visa Rewards?
The support contact email for CommunityAmerica Credit Union Visa Rewards is contactus@cacu.com.
How do people rate the customer service and user experience of CommunityAmerica Credit Union Visa Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does CommunityAmerica Credit Union Visa Rewards report your account activity to credit bureaus?
Yes, CommunityAmerica Credit Union Visa Rewards 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 Rewards 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 Rewards
- Visit the website of CommunityAmerica Credit Union Visa Rewards.
- 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 Rewards'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.
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Hours of Operation
SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturdayClosed
Other Services by CommunityAmerica Credit Union
Other Credit Cards from CommunityAmerica Credit Union
Rating not yet determined
Purchase APR
11.24% - 21.00%
Disclaimer popup with additional information
Balance Transfer APR
11.24% - 21.00%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24% - 17.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 17.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
N/A
SuperMoney Net Recommendation Score
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