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  Cornerstone Community Federal Credit Union Visa Classic

Cornerstone Community Federal Credit Union Visa Classic

in Personal Credit Cards from Cornerstone Community Federal Credit Union

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Cornerstone Community Federal Credit Union Visa Classic

Unaffiliated

in Personal Credit Cards from Cornerstone Community Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) Starting at 9.90%
Balance Transfer APR  (Fixed APR) Starting at 10.90%
Credit Score Range 600 - 850
Annual Fee N/A

Cornerstone Community Federal Credit Union Visa Classic Review

This is a credit card issued by Cornerstone Community Federal Credit Union. If you're wondering whether Cornerstone Community Federal Credit Union Visa Classic 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
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.00% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, 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 Cornerstone Community Federal Credit Union Visa Classic
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cornerstone Community Federal Credit Union Visa Classic reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1.00%.
Cornerstone Community Federal Credit Union Visa Classic FAQ

Does Cornerstone Community Federal Credit Union Visa Classic have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Cornerstone Community Federal Credit Union Visa Classic benefits?

It provides the following benefits:

  • Emergency Support
  • Trip Cancellation Insurance
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Cornerstone Community Federal Credit Union Visa Classic?

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 fixed purchase APR starting at 9.90% . The card has a fixed balance transfer APR starting at 10.90% . It also has a fixed cash advance APR starting at 10.90% . Note that late payments are subject to an APR of 14.90% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Cornerstone Community Federal Credit Union Visa Classic have an intro APR offer on balance transfers?

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

Does Cornerstone Community Federal Credit Union Visa Classic 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 Cornerstone Community Federal Credit Union Visa Classic?

The following fees apply:

  • An overlimit fee of $5.00.
Cornerstone Community Federal Credit Union Visa Classic Fees
Fees Amount
Annual Fee
Overlimit Fee $5,000.00
Foreign Transaction Fee 1.00%
Late Payment Fee up to $25.00

Does Cornerstone Community Federal Credit Union Visa Classic have a foreign transaction fee?

Cornerstone Community Federal Credit Union Visa Classic charges a foreign transaction fee of 1.00%. 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 Cornerstone Community Federal Credit Union Visa Classic?

The Cornerstone Community Federal Credit Union Visa Classic customer service number is (716) 434-2290.

What is the support contact email for Cornerstone Community Federal Credit Union Visa Classic?

The support contact email for Cornerstone Community Federal Credit Union Visa Classic is info@cornerstonecommunityfcu.org.

Does Cornerstone Community Federal Credit Union Visa Classic report your account activity to credit bureaus?

Yes, Cornerstone Community Federal Credit Union Visa Classic 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 Cornerstone Community Federal Credit Union Visa Classic

  • Visit the Cornerstone Community Federal Credit Union Visa Classic 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 Cornerstone Community Federal Credit Union Visa Classic'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 - 6:00pm
  • Saturday Closed

About Cornerstone Community Federal Credit Union Visa Classic

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View all personal credit cards offered by Cornerstone Community Federal Credit Union

Availability

  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.00%
Over-Limit Fee $5.00
Paper Statement Fee $1.00
Late Fee Amount Up to $25.00
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
  • U.S. Temporary Resident Visa Holders
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) Starting at 10.90%
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)." See Your Account Agreement for more details.
Credit Limit $500 - $5
Penalty APR (Fixed APR) 14.90%
Purchase APR (Fixed APR) Starting at 9.90%
Balance Transfer APR (Fixed APR) Starting at 10.90%
Card Type
  • Low Interest
  • Travel
Card Network Visa

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