CommunityAmerica Credit Union Visa Signature

CommunityAmerica Credit Union Visa Signature Review

This is a cashback credit card issued by CommunityAmerica Credit Union. If you're wondering whether CommunityAmerica Credit Union Visa Signature is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. CommunityAmerica Credit Union Visa Signature has a variable purchase APR that ranges from 15.24% up to 17.24%.
• 3% Balance transfer fee. CommunityAmerica Credit Union Visa Signature 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.
• 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.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of CommunityAmerica Credit Union Visa Signature

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 15.24% up to 17.24%. 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. Cardholders can earn rewards on their purchases. CommunityAmerica Credit Union Visa Signature reports to multiple credit bureaus.

You need good credit to qualify. Does not offer a signup bonus. Charges a 3% balance transfer fee. After the introductory period, the fee is 0% of the balance transferred or $5, whichever is greater.

CommunityAmerica Credit Union Visa Signature FAQ

Does CommunityAmerica Credit Union Visa Signature have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

CommunityAmerica Credit Union Visa Signature Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the CommunityAmerica Credit Union Visa Signature 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 Signature?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

CommunityAmerica Credit Union Visa Signature has a variable purchase APR that ranges from 15.24% up to 17.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 17.24%. It also has a variable cash advance APR that ranges from 15.24% up to 17.24%.

What are the fees for CommunityAmerica Credit Union Visa Signature?

The following fees apply:

CommunityAmerica Credit Union Visa Signature Fees

Fees	Amount
Annual Fee
Returned Payment Fee	$0
Late Payment Fee	$25 - $35

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

Yes, CommunityAmerica Credit Union Visa Signature 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 Signature

• Visit the CommunityAmerica Credit Union Visa Signature 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.