FivePoint Credit Union Signature Visa Credit Card
in Personal Credit Cards from FivePoint Credit Union
UnaffiliatedFivePoint Credit Union Signature Visa Credit Card
in Personal Credit Cards from FivePoint Credit Union
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| Purchase APR (Variable APR) | 10.75% - 13.5% |
| Balance Transfer APR (Variable APR) | 10.75% - 13.5% |
| Credit Score Range | Starting at 640 |
| Annual Fee | $0 |
FivePoint Credit Union Signature Visa Credit Card Review
This is a rewards credit card issued by FivePoint Credit Union. If you're wondering whether FivePoint Credit Union Signature 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.
- Competitive APRs. FivePoint Credit Union Signature Visa Credit Card has a variable purchase APR that ranges from 10.75% up to 13.5%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- 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, extended warranty protection on purchases, purchase protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
| The Good | The Bad |
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Does FivePoint Credit Union Signature Visa Credit Card have a cash back or rewards program?
FivePoint Credit Union Signature Visa Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does FivePoint Credit Union Signature Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does FivePoint Credit Union Signature Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the FivePoint Credit Union Signature Visa Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for FivePoint Credit Union Signature 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 10.75% up to 13.5%. The card has a variable balance transfer APR that ranges from 10.75% up to 13.5%. It also has a variable cash advance APR of 18% .
Does FivePoint Credit Union Signature Visa Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.9% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 1.9% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 10.75% - 13.5% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does FivePoint Credit Union Signature Visa Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 1.9% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 1.9% on qualified purchases for a period of up to 6 months.
What are the fees for FivePoint Credit Union Signature Visa Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $29 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does FivePoint Credit Union Signature Visa Credit Card have a foreign transaction fee?
FivePoint Credit Union Signature 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 FivePoint Credit Union Signature Visa Credit Card?
The FivePoint Credit Union Signature Visa Credit Card customer service number is (800) 825-8829.
What is the support contact email for FivePoint Credit Union Signature Visa Credit Card?
The support contact email for FivePoint Credit Union Signature Visa Credit Card is memberservices@5pointcu.org.
Does FivePoint Credit Union Signature Visa Credit Card report your account activity to credit bureaus?
Yes, FivePoint Credit Union Signature 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 FivePoint Credit Union Signature Visa Credit Card
- Visit the FivePoint Credit Union Signature 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.
Contact
- Headquarters
-
3700 Skyline Drive
Nederland, TX 77627 - (800) 825-8829
- Visit Site
- Email Support
About FivePoint Credit Union Signature Visa Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 1.9% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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