CSE Visa® more Rewards® Credit Card Review

CSE Visa® more Rewards® Credit Card is a cashback credit card issued by Canton Schools Employees Federal Credit Union. If you're wondering whether CSE Visa® more Rewards® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. CSE Visa® more Rewards® Credit Card has a fixed purchase APR that ranges from 8.25% up to 18%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
• 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.
• 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.

The Good

The Bad

3x Rewards on Quarterly Categories plus Double Points on all other purchases made in the first 90 days after card opening. Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. No annual fee. Identity Theft Protection. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere CSE Visa® more Rewards® Credit Card is accepted. CSE Visa® more Rewards® Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Does not include many credit card benefits.

Is there a CSE Visa® more Rewards® Credit Card cash back or rewards program?

CSE Visa® more Rewards® Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With CSE Visa® more Rewards® Credit Card you receive 3% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $30 back in cash.

CSE Visa® more Rewards® Credit Card Rewards

Minimum rewards rate	3x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus Spend Period (months)	3 months

What are the CSE Visa® more Rewards® Credit Card benefits?

CSE Visa® more Rewards® Credit Card provides the following benefits:

• Zero fraud liability

What are the relevant APRs for CSE Visa® more Rewards® Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. CSE Visa® more Rewards® Credit Card has lower than average purchase APRs.

CSE Visa® more Rewards® Credit Card has a fixed purchase APR that ranges from 8.25% up to 18%. The card has a fixed balance transfer APR that ranges from 8.25% up to 18%. It also has a fixed cash advance APR that ranges from 8.25% up to 18%.

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

What are the fees for CSE Visa® more Rewards® Credit Card?

The following fees apply to CSE Visa® more Rewards® Credit Card:

• There is no overlimit fee

CSE Visa® more Rewards® Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does CSE Visa® more Rewards® Credit Card report your account activity to credit bureaus?

CSE Visa® more Rewards® Credit Card does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help improve your credit.

How to apply for CSE Visa® more Rewards® Credit Card

• Visit the CSE Visa® more Rewards® Credit Card 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.