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  Elevations Credit Union Visa Credit Card

Elevations Credit Union Visa Credit Card

in Personal Credit Cards from Elevations Credit Union

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Elevations Credit Union Visa Credit Card

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in Personal Credit Cards from Elevations Credit Union

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Highlights
Purchase APR  (Variable APR) 8.24 - 18.24
Balance Transfer APR  (Variable APR) 8.24 - 18.24
Credit Score Range 700 - 850
Annual Fee N/A

Elevations Credit Union Visa Credit Card Review

This is a credit card issued by Elevations Credit Union. If you're wondering whether Elevations Credit Union Visa Credit 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 13 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Elevations Credit Union Visa Credit Card has a variable purchase APR that ranges from 8.24% up to 18.24%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Elevations Credit Union Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 13 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 12 months.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Elevations Credit Union Visa Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Elevations Credit Union Visa Credit Card FAQ

Does Elevations Credit Union Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Elevations Credit Union Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Trip Cancellation Insurance
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Elevations Credit Union Visa Credit 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 8.24% up to 18.24%. The card has a variable balance transfer APR that ranges from 8.24% up to 18.24%. It also has a variable cash advance APR that ranges from 10.24% up to 20.24%.

Does Elevations Credit Union Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 13 months.

Elevations Credit Union Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 13 months
Balance Transfer APR 8.24 - 18.24

Does Elevations Credit Union Visa Credit Card have an intro APR offer on new purchases?

Elevations Credit Union Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Elevations Credit Union Visa Credit Card?

The following fees apply:

Elevations Credit Union Visa Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $15

Does Elevations Credit Union Visa Credit Card have a foreign transaction fee?

Elevations Credit Union Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 customer service phone number for Elevations Credit Union Visa Credit Card?

The Elevations Credit Union Visa Credit Card customer service number is (303) 443-4672.

What is the support contact email for Elevations Credit Union Visa Credit Card?

The support contact email for Elevations Credit Union Visa Credit Card is fraudmanagement@elevationscu.com.

Does Elevations Credit Union Visa Credit Card report your account activity to credit bureaus?

Yes, Elevations Credit Union Visa Credit 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 Elevations Credit Union Visa Credit Card

  • Visit the Elevations Credit Union Visa 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.

View Elevations Credit Union Visa Credit 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday 9:00am - 12:00pm

About Elevations Credit Union Visa Credit Card

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View all personal credit cards offered by Elevations Credit Union

Availability

  Available in 1 state
Colorado
Availabile in all of Colorado

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 12 months
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1
Returned Payment Fee Up to 25
Late Fee Amount Up to 15
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 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation Insurance
  • Emergency Support
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • In-Store Eligible Purchases
  • Select Merchants
Cash Advance APR (Variable APR) 10.24 - 20.24
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)."
Purchase APR (Variable APR) 8.24 - 18.24
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 13 months
Balance Transfer APR (Variable APR) 8.24 - 18.24
Card Type
  • Low Interest
Card Network Visa

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