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  CommunityAmerica Credit Union Visa Rewards

CommunityAmerica Credit Union Visa Rewards

in Personal Credit Cards from CommunityAmerica Credit Union

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CommunityAmerica Credit Union Visa Rewards

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in Personal Credit Cards from CommunityAmerica Credit Union

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Highlights
Purchase APR  (Variable APR) 12.24% - 19.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 699
Annual Fee N/A

CommunityAmerica Credit Union Visa Rewards Review

This is a rewards credit card issued by CommunityAmerica Credit Union. If you're wondering whether CommunityAmerica Credit Union Visa Rewards 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.
  • Competitive APRs. CommunityAmerica Credit Union Visa Rewards has a variable purchase APR that ranges from 12.24% up to 19.24%.
  • 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, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of CommunityAmerica Credit Union Visa Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • No balance transfer fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere CommunityAmerica Credit Union Visa Rewards is accepted.
  • CommunityAmerica Credit Union Visa Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
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.

CommunityAmerica Credit Union Visa Rewards Rewards
Minimum rewards rate 1%x
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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 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 12.24% up to 19.24%. It also has a variable cash advance APR that ranges from 12.24% up to 19.24%.

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%

CommunityAmerica Credit Union Visa Rewards Balance Transfers
Description
Balance Transfer Fee % After Intro Period 12.24% - 14.24%
Balance Transfer Introductory APR 0%

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?

The following fees apply:

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

Does CommunityAmerica Credit Union Visa Rewards have a foreign transaction fee?

CommunityAmerica Credit Union Visa Rewards 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 Rewards?

The CommunityAmerica Credit Union Visa Rewards customer service number 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.

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

Yes, CommunityAmerica Credit Union Visa Rewards 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 Rewards

  • Visit the CommunityAmerica Credit Union Visa Rewards 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 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.

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 Rewards

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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

No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3% - 75%
Minimum Cash Advance Fee ($) $5 - $75
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
Credit Score Range 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Rates
  • Every Purchase
  • Travel
Cash Advance APR (Variable APR) 12.24% - 19.24%
Purchase APR (Variable APR) 12.24% - 19.24%
Balance Transfer Fee % After Intro Period 12.24% - 14.24%
Balance Transfer Introductory APR (Variable APR) 0%
Card Type
  • Rewards
Card Network Visa

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