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  Educators Credit Union Visa Signature Cash Back

Educators Credit Union Visa Signature Cash Back

in Personal Credit Cards from Educators Credit Union

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Educators Credit Union Visa Signature Cash Back

Unaffiliated

in Personal Credit Cards from Educators Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 10.25%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 670 - 840
Annual Fee $0

Educators Credit Union Visa Signature Cash Back Review

Educators Credit Union Visa Signature Cash Back is a cashback credit card issued by Educators Credit Union. If you're wondering whether Educators Credit Union Visa Signature Cash Back is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 670.
Educators Credit Union Visa Signature Cash Back Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Educators Credit Union Visa Signature Cash Back reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
Educators Credit Union Visa Signature Cash Back FAQ

Is there a Educators Credit Union Visa Signature Cash Back cash back or rewards program?

No, Educators Credit Union Visa Signature Cash Back does not offer a rewards program. Educators Credit Union Visa Signature Cash Back is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the Educators Credit Union Visa Signature Cash Back benefits?

Educators Credit Union Visa Signature Cash Back provides the following benefits:

  • Cellular Telephone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Educators Credit Union Visa Signature Cash Back?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Educators Credit Union Visa Signature Cash Back has lower than average purchase APRs.

Educators Credit Union Visa Signature Cash Back has a variable purchase APR starting at 10.25% .

Does Educators Credit Union Visa Signature Cash Back have an introductory APR offer on balance transfers?

No, Educators Credit Union Visa Signature Cash Back does not come with an introductory APR offer for balance transfers.

Does Educators Credit Union Visa Signature Cash Back have an introductory APR offer on new purchases?

Educators Credit Union Visa Signature Cash Back does not offer an introductory rate on new purchases.
Educators Credit Union Visa Signature Cash Back Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Educators Credit Union Visa Signature Cash Back?

The following fees apply to Educators Credit Union Visa Signature Cash Back:

Educators Credit Union Visa Signature Cash Back Fees
Fees Amount
Annual Fee $0

Does Educators Credit Union Visa Signature Cash Back report your account activity to credit bureaus?

Yes, Educators Credit Union Visa Signature Cash Back 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 Educators Credit Union Visa Signature Cash Back

  • Visit the Educators Credit Union Visa Signature Cash Back 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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Score Range 670 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Rates Every Purchase
Purchase APR (Variable APR) Starting at 10.25%
Card Type
  • Balance Transfer
  • Cashback
Card Network Visa

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