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  FivePoint Credit Union Signature Visa Credit Card
FivePoint Credit Union Signature Visa Credit Card
in Credit Cards from FivePoint Credit Union
Unaffiliated

FivePoint Credit Union Signature Visa Credit Card

Unaffiliated
in Credit Cards from FivePoint Credit Union
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Highlights
Purchase APR  (Variable APR) 12.25%
(Verified 12/13/2022)
Balance Transfer APR  (Variable APR) 12.25%
(Verified 12/13/2022)
Credit Score Range Starting at 640
Annual Fee $0

FivePoint Credit Union Signature Visa Credit Card Review

This is a rewards 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.

Key Takeaways

  • Competitive APRs. FivePoint Credit Union Signature Visa Credit Card has a variable purchase APR of 12.25%
  • 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.

Pros & Cons of FivePoint Credit Union Signature Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.9%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on their purchases.
  • FivePoint Credit Union Signature Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

FivePoint Credit Union Signature Visa Credit Card FAQ

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.

FivePoint Credit Union Signature Visa Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) 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. This card has lower than average regular APRs.

FivePoint Credit Union Signature Visa Credit Card has a variable purchase APR of 12.25%. The card has a variable balance transfer APR of 12.25% . 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.

FivePoint Credit Union Signature Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.9%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 12.25%
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?

FivePoint Credit Union Signature Visa Credit Card Purchase Intro Offer
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:

FivePoint Credit Union Signature Visa Credit Card Fees
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.

What is the FivePoint Credit Union Signature Visa Credit Card login page?

You can access the FivePoint Credit Union Signature Visa Credit Card login page here.

How do people rate the customer service and user experience of FivePoint Credit Union Signature Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About FivePoint Credit Union Signature Visa Credit Card

Icon for Credit Cards
View all credit cards offered by FivePoint Credit Union
View FivePoint Credit Union Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 1.9%
Purchase Intro APR Period (Variable APR) 6 months
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2.50
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $29
Late Fee Amount Up to $29
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 -
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • 1.5x Points on Every Purchase
Cash Advance APR (Variable APR) 18%
APR Type Variable APR
Balance Computation Average Daily Balance (including new purchases)
Purchase APR (Variable APR) 12.25%
(Verified 12/13/2022)
Balance Transfer Introductory APR (Variable APR) 1.9%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 12.25%
(Verified 12/13/2022)
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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