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  CommunityAmerica Credit Union Visa Signature

CommunityAmerica Credit Union Visa Signature

in Personal Credit Cards from CommunityAmerica Credit Union

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CommunityAmerica Credit Union Visa Signature

Unaffiliated

in Personal Credit Cards from CommunityAmerica Credit Union

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Highlights
Purchase APR  (Variable APR) 14.24% - 16.24%
Balance Transfer APR  (Variable APR) 14.24% - 16.24%
Credit Score Range 680 - 850
Annual Fee N/A

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. 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 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 14.24% up to 16.24%.
  • 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
  • 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.
  • 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 purchases everywhere CommunityAmerica Credit Union Visa Signature is accepted.
  • CommunityAmerica Credit Union Visa Signature reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee. After the introductory period, the fee is 14.24% 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

Does CommunityAmerica Credit Union Visa Signature have a signup bonus?

This card doesn't offer a cash signup bonus.

Does CommunityAmerica Credit Union Visa Signature offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.24% up to 16.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 16.24%. It also has a variable cash advance APR that ranges from 14.24% up to 16.24%.

Does CommunityAmerica Credit Union Visa Signature have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

CommunityAmerica Credit Union Visa Signature Balance Transfers
Description
Balance Transfer Fee % After Intro Period 12.24% - 14.24%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.24% - 16.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does CommunityAmerica Credit Union Visa Signature have an intro APR offer on new purchases?

CommunityAmerica Credit Union Visa Signature Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for CommunityAmerica Credit Union Visa Signature?

The following fees apply:

CommunityAmerica Credit Union Visa Signature Fees
Fees Amount
Annual Fee
Late Payment Fee $25 - $35

What is the customer service phone number for CommunityAmerica Credit Union Visa Signature?

The CommunityAmerica Credit Union Visa Signature customer service number is (913) 905-7000.

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.

View CommunityAmerica Credit Union Visa Signature'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 Signature

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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

Eligible In-Store Purchases Starting at 1.5%
Target Purchases Starting at 1.5%
Every Purchase (Points) Unlimited 1.5% cash back3 on every purchase
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) $5 - $75
Late Fee Amount $25 - $35
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
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
  • Airfare
Cash Advance APR (Variable APR) 14.24% - 16.24%
Purchase APR (Variable APR) 14.24% - 16.24%
Balance Transfer Fee % After Intro Period 12.24% - 14.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.24% - 16.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
  • Travel
Card Network Visa

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