CommunityAmerica Credit Union Visa Rewards Review

CommunityAmerica Credit Union Visa Rewards 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 is everything you need to know to make a good choice.

• 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 oods if your credit score is above600.

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%.

Is there a CommunityAmerica Credit Union Visa Rewards cash back or rewards program?

CommunityAmerica Credit Union Visa Rewards offers a rewards program to its customers.

CommunityAmerica Credit Union Visa Rewards Rewards

Minimum rewards rate	1%x
Max rewards rate	N/A
Annual rewards limit	N/A

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
• Cellular Telephone 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. CommunityAmerica Credit Union Visa Rewards has lower than average purchase APRs.

CommunityAmerica Credit Union Visa Rewards 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%.

What are the fees for CommunityAmerica Credit Union Visa Rewards?

The following fees apply to CommunityAmerica Credit Union Visa Rewards:

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 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.