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  Consumers Credit Union Visa Signature Rewards
Consumers Credit Union Visa Signature Rewards Claimed

Consumers Credit Union Visa Signature Rewards

Claimed
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 15.74% - 26.74%
(Verified 12/22/2022)
Balance Transfer APR  (Variable APR) 15.74% - 26.74%
(Verified 12/22/2022)
Credit Score Range 600 - 699
Annual Fee $0

Consumers Credit Union Visa Signature Rewards Review

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

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Consumers Credit Union Visa Signature Rewards has a variable purchase APR that ranges from 15.74% up to 26.74%.
  • 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.
  • 3% Balance transfer fee. Consumers Credit Union Visa Signature Rewards charges a fee of 3% on balance transfers, if you transfer the balance within 25 days of opening the account. 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 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Consumers Credit Union Visa Signature Rewards

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 15.74% up to 26.74%.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Consumers Credit Union Visa Signature Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee, if you transfer the balance within 25 days of opening the account.

Consumers Credit Union Visa Signature Rewards FAQ

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

Consumers Credit Union Visa Signature Rewards is a rewards card.

Consumers Credit Union Visa Signature Rewards Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Consumers Credit Union Visa Signature Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Consumers Credit Union Visa Signature Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Consumers Credit Union Visa Signature Rewards benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Consumers Credit Union Visa Signature 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. This card has lower than average regular APRs.

Consumers Credit Union Visa Signature Rewards has a variable purchase APR that ranges from 15.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 26.74%. It also has a variable cash advance APR that ranges from 15.74% up to 26.74%.

The good news is this card does not charge a penalty APR if you are late on a payment.

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

No, it does not come with an intro APR offer for balance transfers.

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

Consumers Credit Union Visa Signature Rewards 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 Consumers Credit Union Visa Signature Rewards?

The following fees apply:

Consumers Credit Union Visa Signature Rewards Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Consumers Credit Union Visa Signature Rewards have a foreign transaction fee?

Consumers Credit Union Visa Signature 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 Consumers Credit Union Visa Signature Rewards?

The Consumers Credit Union Visa Signature Rewards customer service number is .

What is the support contact email for Consumers Credit Union Visa Signature Rewards?

The support contact email for Consumers Credit Union Visa Signature Rewards is ccuinfo@myconsumers.org.

What is the Consumers Credit Union Visa Signature Rewards login page?

You can access the Consumers Credit Union Visa Signature Rewards login page here.

How do people rate the customer service and user experience of Consumers Credit Union Visa Signature Rewards?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Consumers Credit Union Visa Signature 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 Consumers Credit Union Visa Signature Rewards

  • Visit the Consumers Credit Union Visa Signature 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 Consumers Credit Union Visa Signature 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.

Availability

  Available in 1 state
Illinois
Availabile in all of Illinois

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Starting at $2
Paper Statement Fee $10
Additional Card Fee Amount $10
Late Fee Amount Starting at $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • 2x Points on Gas
  • 1x - 3x Points on Groceries
  • 1x Point on Every Purchase
  • 1x - 3x Points on Select Merchants
Cash Advance APR (Variable APR) 15.74% - 26.74%
APR Type Variable APR
Balance Computation Average Daily Balance (Including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 15.74% - 26.74%
(Verified 12/22/2022)
Balance Transfer Fee Intro Period 25 days
Balance Transfer APR (Variable APR) 15.74% - 26.74%
(Verified 12/22/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Low Interest
Card Network Visa

Consumers Credit Union Visa Signature Rewards Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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