Last Updated: 07/28/2025
Credit Human Federal Credit Union Rate Preferred Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.30% - 14.30%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
7.90% - 10.75%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 850
Annual Fee
Starting at $0
Credit Human Federal Credit Union Rate Preferred Mastercard 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 Mastercard is the right card for you, read on.
Key Takeaways
- APRs: Credit Human Federal Credit Union Rate Preferred Mastercard has a variable regular purchase APR that ranges from 10.30% up to 14.30%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 up to 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 security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Credit Human Federal Credit Union Rate Preferred
| The Good | The Bad |
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Credit Human Federal Credit Union Rate Preferred FAQ
Does Credit Human Federal Credit Union Rate Preferred 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.
| Description |
Does Credit Human Federal Credit Union Rate Preferred have a signup bonus?
This card doesn't offer a cash signup bonus.Does Credit Human Federal Credit Union Rate Preferred offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Credit Human Federal Credit Union Rate Preferred benefits?
Credit Human Federal Credit Union Rate Preferred Mastercard 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?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Credit Human Federal Credit Union Rate Preferred Mastercard has a variable purchase APR that ranges from 10.30% up to 14.30%. The card has a variable balance transfer APR that ranges from 7.90% up to 10.75%. It also has a variable cash advance APR that ranges from 10.30% up to 14.30%.
Does Credit Human Federal Credit Union Rate Preferred 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 have an intro APR offer on new purchases?
| 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 6 months.
What are the fees for Credit Human Federal Credit Union Rate Preferred?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee as low as $0.
Does Credit Human Federal Credit Union Rate Preferred have a foreign transaction fee?
Credit Human Federal Credit Union Rate Preferred charges a foreign transaction fee of up to 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 support contact email for Credit Human Federal Credit Union Rate Preferred?
The support contact email for Credit Human Federal Credit Union Rate Preferred is memberservicecenter@credithuman.com.
How do people rate the customer service and user experience of Credit Human Federal Credit Union Rate Preferred?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit Human Federal Credit Union Rate Preferred Mastercard report your account activity to credit bureaus?
Yes, Credit Human Federal Credit Union Rate Preferred Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does Credit Human Federal Credit Union perform a hard credit pull?
Yes, Credit Human Federal Credit Union Rate Preferred performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Credit Human Federal Credit Union Rate Preferred
- Visit the website of Credit Human Federal Credit Union Rate Preferred.
- 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 Mastercard'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.
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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Other Credit Cards from Credit Human Federal Credit Union
Rating not yet determined
Purchase APR
12.65% - 17.99%
Disclaimer popup with additional information
Balance Transfer APR
5.90% - 11.90%
Disclaimer popup with additional information
Credit Score Range
500 - 599
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
12.65% - 17.99%
Disclaimer popup with additional information
Balance Transfer APR
5.90% - 11.90%
Disclaimer popup with additional information
Credit Score Range
300 - 500
300
850
Annual Fee
N/A
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