FivePoint Credit Union Signature Visa Credit Card Review

FivePoint Credit Union Signature Visa Credit Card 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 is everything you need to know 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 oods if your credit score is above640.

The Good

The Bad

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 purchases everywhere FivePoint Credit Union Signature Visa Credit Card is accepted. 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%.

Is there a FivePoint Credit Union Signature Visa Credit Card cash back or rewards program?

FivePoint Credit Union Signature Visa Credit Card offers a rewards program to its customers.

FivePoint Credit Union Signature Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the FivePoint Credit Union Signature Visa Credit Card benefits?

FivePoint Credit Union Signature Visa Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. FivePoint Credit Union Signature Visa Credit Card has lower than average purchase APRs.

FivePoint Credit Union Signature Visa Credit Card 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% .

What are the fees for FivePoint Credit Union Signature Visa Credit Card?

The following fees apply to FivePoint Credit Union Signature Visa Credit Card:

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

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.