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  Credit Human Federal Credit Union Spurs Rewards Mastercard

Credit Human Federal Credit Union Spurs Rewards Mastercard

in Personal Credit Cards from Credit Human Federal Credit Union

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Credit Human Federal Credit Union Spurs Rewards Mastercard

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in Personal Credit Cards from Credit Human Federal Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 9.65
Balance Transfer APR  (Variable APR) 5.90 - 11.90
Credit Score Range 300 - 500
Annual Fee N/A

Credit Human Federal Credit Union Spurs Rewards 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 Spurs Rewards Mastercard 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 1.10% 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, 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 Spurs Rewards Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • 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 their purchases.
  • Credit Human Federal Credit Union Spurs Rewards Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.10%.
  • You don't earn rewards on every purchase.
Credit Human Federal Credit Union Spurs Rewards Mastercard FAQ

Does Credit Human Federal Credit Union Spurs Rewards Mastercard 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 Spurs Rewards Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Credit Human Federal Credit Union Spurs Rewards Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Credit Human Federal Credit Union Spurs Rewards Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Credit Human Federal Credit Union Spurs Rewards Mastercard benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Price Protection
  • Cell Phone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Credit Human Federal Credit Union Spurs Rewards Mastercard?

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 starting at 9.65% . 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 starting at 9.65% .

Does Credit Human Federal Credit Union Spurs Rewards Mastercard 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 Spurs Rewards Mastercard have an intro APR offer on new purchases?

Credit Human Federal Credit Union Spurs Rewards Mastercard 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 Spurs Rewards Mastercard?

The following fees apply:

Credit Human Federal Credit Union Spurs Rewards Mastercard Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1.10%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Credit Human Federal Credit Union Spurs Rewards Mastercard have a foreign transaction fee?

Credit Human Federal Credit Union Spurs Rewards Mastercard 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.

Does Credit Human Federal Credit Union Spurs Rewards Mastercard report your account activity to credit bureaus?

Yes, Credit Human Federal Credit Union Spurs Rewards Mastercard 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 Spurs Rewards Mastercard

  • Visit the Credit Human Federal Credit Union Spurs Rewards Mastercard 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 Spurs Rewards 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.

Contact

  • Headquarters
  •   6061 W Interstate 10
    San Antonio, TX 78201
  •   Visit Site

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 Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.10
Returned Payment Fee Up to 25
Paper Statement Fee 2.00
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
Credit Score Range 300 - 500
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Emergency Support
  • Cellular Telephone Protection
Rewards Categories
  • Travel
  • Airfare
Cash Advance APR (Variable APR) Starting at 9.65
Balance Computation We use a method called "average daily balance (including new purchases).
Purchase APR (Variable APR) Starting at 9.65
Balance Transfer APR (Variable APR) 5.90 - 11.90
Card Type
  • Rewards
  • Cashback
  • Bonus Offers
Card Network Mastercard

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