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  Elevations Credit Union Visa Rewards Credit Card

Elevations Credit Union Visa Rewards Credit Card

in Personal Credit Cards from Elevations Credit Union

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Elevations Credit Union Visa Rewards Credit Card

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in Personal Credit Cards from Elevations Credit Union

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Highlights
Purchase APR  (Variable APR) 11.99 - 20.99
Balance Transfer APR  (Variable APR) 11.99 - 20.99
Credit Score Range 700 - 850
Annual Fee N/A

Elevations Credit Union Visa Rewards Credit Card Review

Elevations Credit Union Visa Rewards Credit Card is a rewards credit card issued by Elevations Credit Union. If you're wondering whether Elevations Credit Union Visa Rewards Credit Card is the right card for you, read on. This is everything you need to know 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 13 months.
  • Competitive APRs. Elevations Credit Union Visa Rewards Credit Card has a variable purchase APR that ranges from 11.99% up to 20.99%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3.00% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Elevations Credit Union Visa Rewards Credit Card Pros & Cons
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 13 months.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • Elevations Credit Union Visa Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3.00%.
  • You don't earn rewards on every purchase.
Elevations Credit Union Visa Rewards Credit Card FAQ

Is there a Elevations Credit Union Visa Rewards Credit Card cash back or rewards program?

Elevations Credit Union Visa Rewards Credit Card offers a rewards program to its customers.

Elevations Credit Union Visa Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Elevations Credit Union Visa Rewards Credit Card have a signup bonus?

Elevations Credit Union Visa Rewards Credit Card doesn't offer a cash signup bonus.

Does Elevations Credit Union Visa Rewards Credit Card offer an annual loyalty bonus?

Elevations Credit Union Visa Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the Elevations Credit Union Visa Rewards Credit Card benefits?

Elevations Credit Union Visa Rewards Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Elevations Credit Union Visa 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. Elevations Credit Union Visa Rewards Credit Card has lower than average purchase APRs.

Elevations Credit Union Visa Rewards Credit Card has a variable purchase APR that ranges from 11.99% up to 20.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 20.99%. It also has a variable cash advance APR that ranges from 13.99% up to 21.00%.

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

Yes, Elevations Credit Union Visa Rewards Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 13 months.

Elevations Credit Union Visa Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 13 months
Balance Transfer APR 11.99 - 20.99

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

Elevations Credit Union Visa Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 13 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 13 months.

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

The following fees apply to Elevations Credit Union Visa Rewards Credit Card:

Elevations Credit Union Visa Rewards Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 3.00%
Returned Payment Fee up to $25
Late Payment Fee up to $15

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

Elevations Credit Union Visa Rewards Credit Card charges a foreign transaction fee of 3.00%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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

Yes, Elevations Credit Union Visa Rewards 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 Rewards Credit Card

  • Visit the Elevations Credit Union Visa 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.

View Elevations Credit Union Visa Rewards 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 Rewards 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

Every Purchase (Points) Starting at 1
Restaurants (Points) Starting at 1
Gas (Points) Starting at 1
Eligible In-Store Purchases (Points) Starting at 1
Entertainment (Points) Starting at 1
Car Rentals (Points) Starting at 1
Amazon Purchases (Points) Starting at 1
Airfare (Points) Starting at 1
Advertising Services (Points) Starting at 1
Every Purchase (Points) Earn 1 point for every $1 you spend to redeem for cash, gift cards, travel and merchandise.
Introductory Rate 0
Purchase Intro APR Period (Variable APR) 13 months
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 3.00
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
  • Price Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • Select Merchants
Cash Advance APR (Variable APR) 13.99 - 21.00
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances).
Purchase APR (Variable APR) 11.99 - 20.99
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 13 months
Balance Transfer APR (Variable APR) 11.99 - 20.99
Card Type
  • Rewards
Card Network Visa

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