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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | 7.24% - 13.24% |
Balance Transfer APR (Variable APR) | 7.24% - 13.24% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
FORUM Mastercard Credit Card Review
This is a cashback credit card issued by Forum Credit Union. If you're wondering whether FORUM Mastercard 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. FORUM Mastercard Credit Card has a variable purchase APR that ranges from 7.24% up to 13.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
The Good | The Bad |
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Does FORUM Mastercard Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.
What are the FORUM Mastercard Credit Card benefits?
It provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for FORUM Mastercard 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.FORUM Mastercard Credit Card has a variable purchase APR that ranges from 7.24% up to 13.24%. The card has a variable balance transfer APR that ranges from 7.24% up to 13.24%. It also has a variable cash advance APR that ranges from 7.24% up to 13.24%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does FORUM Mastercard Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 2.99% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 7.24% - 13.24% |
Balance Transfer Fee % | 0% |
Does FORUM Mastercard Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 2.99% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 2.99% on qualified purchases for a period of up to 12 months.
What are the fees for FORUM Mastercard Credit Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does FORUM Mastercard Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for FORUM Mastercard Credit Card?
The support contact email for FORUM Mastercard Credit Card is forum@forumcu.com.
How do people rate the customer service and user experience of FORUM Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does FORUM Mastercard Credit Card report your account activity to credit bureaus?
Yes, FORUM Mastercard 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 FORUM Mastercard Credit Card
- Visit the FORUM Mastercard 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
-
11313 USA Parkway
Fishers, IN 46037 - Visit Site
- Email Support
Other Services by Forum Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Introductory Rate | 2.99% |
Purchase Intro APR Period (Variable APR) | 12 months |
FORUM Mastercard Credit Card Community Reviews
Would you recommend FORUM Mastercard Credit Card to your friends?
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