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  Elevations Credit Union Visa Signature Travel Rewards

Elevations Credit Union Visa Signature Travel Rewards

in Personal Credit Cards from Elevations Credit Union

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Elevations Credit Union Visa Signature Travel 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 Travel Rewards Review

Elevations Credit Union Visa Signature Travel Rewards is a rewards credit card issued by Elevations Credit Union. If you're wondering whether Elevations Credit Union Visa Signature Travel 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.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Elevations Credit Union Visa Signature Travel 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 rewards card. It gives you rewards 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 Travel 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 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.
Elevations Credit Union Visa Signature Travel 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.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere Elevations Credit Union Visa Signature Travel Rewards is accepted.
  • Elevations Credit Union Visa Signature Travel Rewards reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • 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 Travel Rewards FAQ

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

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

Elevations Credit Union Visa Signature Travel Rewards Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Elevations Credit Union Visa Signature Travel Rewards have a signup bonus?

Elevations Credit Union Visa Signature Travel Rewards doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

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

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

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

Elevations Credit Union Visa Signature Travel Rewards 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 Signature Travel 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 Travel Rewards has lower than average purchase APRs.

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

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

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

Elevations Credit Union Visa Signature Travel 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 Travel Rewards?

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

Elevations Credit Union Visa Signature Travel Rewards Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%

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

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

Yes, Elevations Credit Union Visa Signature Travel 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 Travel Rewards

  • Visit the Elevations Credit Union Visa Signature Travel 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 Travel 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 Travel 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

Car Rentals (Points) Starting at 1.5
Airfare (Points) 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
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation Insurance
  • Emergency Support
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • 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 (points) 20,000
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
  • Rewards
  • Travel
Card Network Visa

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