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  Elevations Credit Union Visa Signature Cash Rewards

Elevations Credit Union Visa Signature Cash Rewards

in Personal Credit Cards from Elevations Credit Union

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Elevations Credit Union Visa Signature Cash Rewards

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in Personal Credit Cards from Elevations Credit Union

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Highlights
Purchase APR  (Variable APR) 14.74% - 20.74%
Balance Transfer APR  (Variable APR) 14.74% - 20.74%
Credit Score Range 700 - 850
Annual Fee $0

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.

Key Takeaways
  • 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.
Elevations Credit Union Visa Signature Cash Rewards Pros & Cons
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% .
Elevations Credit Union Visa Signature Cash Rewards FAQ

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%.

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

Yes, Elevations Credit Union Visa Signature Cash Rewards offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Elevations Credit Union Visa Signature Cash Rewards Balance Transfers
Description
Balance Transfer Fee % After Intro Period 14.74% - 20.74%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.74% - 20.74%
Balance Transfer Fee % 3%

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

Elevations Credit Union Visa Signature Cash Rewards Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

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

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 have a foreign transaction fee?

Elevations Credit Union Visa Signature Cash Rewards charges a foreign transaction fee of 3%. 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 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.

View Elevations Credit Union Visa Signature Cash Rewards'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 Signature Cash Rewards

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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

Eligible In-Store Purchases Starting at 1.5%
Target Purchases Starting at 1.5%
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 3%
Returned Payment Fee Starting at $25
Late Fee Amount Starting at $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
  • Identity Theft Protection
  • Price Protection
  • Emergency Support
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Travel
  • Advertising Services
  • Airfare
  • Amazon Purchases
  • Car Rentals
  • Internet / Cable / Phone Services
  • Retail
  • Drug Store Purchases
  • Education
  • Furniture
  • Gas
  • Groceries
  • Gym Memberships
  • Home Improvement Purchases
  • Hotels
  • Office Supplies
  • Restaurants
  • Shipping
  • Utilities
  • Warehouse Clubs Purchases
  • Insurance
  • Every Purchase
  • Software, Hardware, Cloud
  • Entertainment
  • PayPal Purchases
  • eBay Purchases
  • Target Purchases
  • Transit
  • International Purchases
  • Whole Foods Purchases
  • Online
  • In-Store Eligible Purchases
  • Select Merchants
Signup Bonus Up to $100
Cash Advance APR (Variable APR) 19.74% - 21%
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)."
Purchase APR (Variable APR) 14.74% - 20.74%
Balance Transfer Fee % After Intro Period 14.74% - 20.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.74% - 20.74%
Balance Transfer Fee % 3%
Card Type
  • Cashback
  • Bonus Offers
Card Network Visa

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