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  Credit Human Federal Credit Union Rate Preferred Visa

Credit Human Federal Credit Union Rate Preferred Visa

in Personal Credit Cards from Credit Human Federal Credit Union

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Credit Human Federal Credit Union Rate Preferred Visa

Unaffiliated

in Personal Credit Cards from Credit Human Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9.65% - 15.25%
Balance Transfer APR  (Variable APR) 5.90% - 11.90%
Credit Score Range 300 - 850
Annual Fee Starting at $0

Credit Human Federal Credit Union Rate Preferred Visa Review

This is a cashback credit card issued by Credit Human Federal Credit Union. If you're wondering whether Credit Human Federal Credit Union Rate Preferred Visa 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
  • Competitive APRs. Credit Human Federal Credit Union Rate Preferred Visa has a variable purchase APR that ranges from 9.65% up to 15.25%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.10% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, price protection, purchase protection, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Credit Human Federal Credit Union Rate Preferred Visa
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Credit Human Federal Credit Union Rate Preferred Visa is accepted.
  • Credit Human Federal Credit Union Rate Preferred Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.10%.
Credit Human Federal Credit Union Rate Preferred Visa FAQ

Does Credit Human Federal Credit Union Rate Preferred Visa 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.

Credit Human Federal Credit Union Rate Preferred Visa Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Credit Human Federal Credit Union Rate Preferred Visa have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Credit Human Federal Credit Union Rate Preferred Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Credit Human Federal Credit Union Rate Preferred Visa benefits?

It provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Reports to major credit bureaus

What are the relevant APRs for Credit Human Federal Credit Union Rate Preferred Visa?

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 9.65% up to 15.25%. The card has a variable balance transfer APR that ranges from 5.90% up to 11.90%. It also has a variable cash advance APR that ranges from 9.65% up to 15.25%.

Does Credit Human Federal Credit Union Rate Preferred Visa have an intro APR offer on balance transfers?

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

Does Credit Human Federal Credit Union Rate Preferred Visa have an intro APR offer on new purchases?

Credit Human Federal Credit Union Rate Preferred Visa Purchase Intro Offer
Description
Introductory Rate 2.90%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 2.90% on qualified purchases for a period of up to 6 months.

What are the fees for Credit Human Federal Credit Union Rate Preferred Visa?

The following fees apply:

Credit Human Federal Credit Union Rate Preferred Visa Fees
Fees Amount
Annual Fee N/A
Foreign Transaction Fee 1.10%

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

Does Credit Human Federal Credit Union Rate Preferred Visa have a foreign transaction fee?

Credit Human Federal Credit Union Rate Preferred Visa charges a foreign transaction fee of 1.10%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $22. 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 Credit Human Federal Credit Union Rate Preferred Visa?

The Credit Human Federal Credit Union Rate Preferred Visa customer service number is .

What is the support contact email for Credit Human Federal Credit Union Rate Preferred Visa?

The support contact email for Credit Human Federal Credit Union Rate Preferred Visa is memberservicecenter@credithuman.com.

Does Credit Human Federal Credit Union Rate Preferred Visa report your account activity to credit bureaus?

Yes, Credit Human Federal Credit Union Rate Preferred Visa 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 Credit Human Federal Credit Union Rate Preferred Visa

  • Visit the Credit Human Federal Credit Union Rate Preferred Visa 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 Credit Human Federal Credit Union Rate Preferred Visa'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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Credit Human Federal Credit Union

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Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Introductory Rate 2.90%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee Starting at $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.10%
Returned Payment Fee Starting at $25
Paper Statement Fee $2
Late Fee Amount Starting at $25
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
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 9.65% - 15.25%
Balance Computation We use a method called "average daily balance (including new purchases)."
Purchase APR (Variable APR) 9.65% - 15.25%
Balance Transfer APR (Variable APR) 5.90% - 11.90%
Card Type
  • Rewards
  • Low Interest
  • Cashback
  • Bonus Offers
Card Network Mastercard

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