Last Updated: 07/28/2025
HAPO CCU Visa Signature Rewards Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.75% - 18%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.75% - 18%(Verified 06/21/2024)
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Credit Score Range
680 - 850
Annual Fee
$0
HAPO CCU Visa Signature Rewards Credit Card Review
This is a rewards card issued by HAPO Community Credit Union. If you're wondering whether HAPO CCU Visa Signature Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 2.5 reward points per dollar spent.
- APRs: HAPO CCU Visa Signature Rewards Credit Card has a variable regular purchase APR that ranges from 14.75% up to 18%.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of HAPO CCU Visa Signature Rewards Credit Card
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HAPO CCU Visa Signature Rewards Credit Card FAQ
Does HAPO CCU Visa Signature Rewards Credit Card have a cash back or rewards program?
HAPO CCU Visa Signature Rewards Credit Card is a rewards card.
| Description |
Does HAPO CCU Visa Signature Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does HAPO CCU Visa Signature Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the HAPO CCU Visa Signature Rewards Credit Card benefits?
HAPO CCU Visa Signature Rewards Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for HAPO CCU Visa Signature Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.HAPO CCU Visa Signature Rewards Credit Card has a variable purchase APR that ranges from 14.75% up to 18%. The card has a variable balance transfer APR that ranges from 14.75% up to 18%. It also has a variable cash advance APR that ranges from 14.75% up to 18%.
Does HAPO CCU Visa Signature Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does HAPO CCU Visa Signature Rewards Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 4.99% on qualified purchases for a period of 6 months.
What are the fees for HAPO CCU Visa Signature Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $25 . What is the customer service phone number for HAPO CCU Visa Signature Rewards Credit Card?
The customer service number for HAPO CCU Visa Signature Rewards Credit Card is (800) 284-4276.
What is the support contact email for HAPO CCU Visa Signature Rewards Credit Card?
The support contact email for HAPO CCU Visa Signature Rewards Credit Card is haponews@hapo.org.
What is the login page for HAPO CCU Visa Signature Rewards Credit Card?
You can access the login page of HAPO CCU Visa Signature Rewards Credit Card here.
How do people rate the customer service and user experience of HAPO CCU Visa Signature Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does HAPO CCU Visa Signature Rewards Credit Card report your account activity to credit bureaus?
Yes, HAPO CCU Visa Signature Rewards Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does HAPO Community Credit Union perform a hard credit pull?
Yes, HAPO CCU Visa Signature Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for HAPO CCU Visa Signature Rewards Credit Card
- Visit the website of HAPO CCU Visa Signature Rewards Credit Card.
- 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.
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