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  Educators Credit Union Visa Signature Cash Back Card

Educators Credit Union Visa Signature Cash Back Card

in Personal Credit Cards from Educators Credit Union

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Educators Credit Union Visa Signature Cash Back Card

Unaffiliated

in Personal Credit Cards from Educators Credit Union

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Highlights
Purchase APR  (Variable APR) 10.25 - 17.25
Balance Transfer APR  (Variable APR) 10.25 - 17.25
Credit Score Range 680 - 850
Annual Fee N/A

Educators Credit Union Visa Signature Cash Back Card Review

This is a cashback credit card issued by Educators Credit Union. If you're wondering whether Educators Credit Union Visa Signature Cash Back Card 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. Educators Credit Union Visa Signature Cash Back Card has a variable purchase APR that ranges from 10.25% up to 17.25%.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Educators Credit Union Visa Signature Cash Back Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Educators Credit Union Visa Signature Cash Back Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
Educators Credit Union Visa Signature Cash Back Card FAQ

Does Educators Credit Union Visa Signature Cash Back Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. This card features rewards for purchases in the following categories:

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

It provides the following benefits:

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

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

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 10.25% up to 17.25%. The card has a variable balance transfer APR that ranges from 10.25% up to 17.25%. It also has a variable cash advance APR that ranges from 10.25% up to 17.25%.

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

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

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

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

Educators Credit Union Visa Signature Cash Back Card Fees
Fees Amount
Annual Fee
Late Payment Fee up to $25.00

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

Yes, Educators Credit Union Visa Signature Cash Back Card 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 Card

  • Visit the Educators Credit Union Visa Signature Cash Back 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.

View Educators Credit Union Visa Signature Cash Back Card'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.

Availability

  Available in 1 state
Montana
Availabile in all of Montana

Feature Breakdown

No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 3.00
Returned Payment Fee Starting at 25.00
Paper Statement Fee 5.00
Additional Card Fee Amount 5.00
Late Fee Amount Up to 25.00
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 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) 10.25 - 17.25
Balance Computation We use a method called "average daily balance (including new purchases)".
Purchase APR (Variable APR) 10.25 - 17.25
Balance Transfer APR (Variable APR) 10.25 - 17.25
Card Type
  • Cashback
Card Network Visa

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