Elevations Credit Union Visa Signature Cash Rewards Review

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

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 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 Signature Cash Rewards has a variable purchase APR that ranges from 14.74% up to 20.74%.
• 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.
• 3% Balance transfer fee. Elevations Credit Union Visa Signature Cash Rewards charges a fee of 3% on balance transfers. After the introductory period, the fee is 20.74%. For example, a balance of $1,000 could cost $30 in transfer fees.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, price 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.

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. No annual fee. Multiple credit card perks. Identity Theft Protection. Travel accident and travel assistance insurance. Elevations Credit Union Visa Signature Cash Rewards reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee. After the introductory period, the fee is 20.74% .

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

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

What are the Elevations Credit Union Visa Signature Cash Rewards benefits?

Elevations Credit Union Visa Signature Cash Rewards provides the following benefits:

• Emergency Support
• Price Protection
• Travel Accident Insurance
• Cellular Telephone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Elevations Credit Union Visa Signature Cash Rewards?

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 Signature Cash Rewards has lower than average purchase APRs.

Elevations Credit Union Visa Signature Cash Rewards has a variable purchase APR that ranges from 14.74% up to 20.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 20.74%. It also has a variable cash advance APR that ranges from 19.74% up to 21%.

What are the fees for Elevations Credit Union Visa Signature Cash Rewards?

The following fees apply to Elevations Credit Union Visa Signature Cash Rewards:

Elevations Credit Union Visa Signature Cash Rewards Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%

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

Yes, Elevations Credit Union Visa Signature Cash Rewards 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 Signature Cash Rewards

• Visit the Elevations Credit Union Visa Signature Cash Rewards 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.