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  Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card

Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card

in Personal Credit Cards from Hiway Federal Credit Union

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Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card

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in Personal Credit Cards from Hiway Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 10.71% - 15.15%
Balance Transfer APR  (Variable APR) 10.71% - 15.15%
Credit Score Range 680 - 850
Annual Fee N/A

Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card Review

This is a cashback credit card issued by Hiway Federal Credit Union. If you're wondering whether Hiway Federal Credit Union Visa Signature Cash Rewards 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.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $50 statement credit points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card has a variable purchase APR that ranges from 10.71% up to 15.15%.
  • 2% Balance transfer fee. Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $2.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Access to a concierge.
  • Travel accident insurance.
  • No foreign transaction fee.
  • Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a 2% balance transfer fee.
Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card FAQ

Does Hiway Federal Credit Union Visa Signature Cash Rewards 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.

What are the Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Hiway Federal Credit Union Visa Signature Cash Rewards 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 10.71% up to 15.15%. The card has a variable balance transfer APR that ranges from 10.71% up to 15.15%. It also has a variable cash advance APR that ranges from 10.71% up to 15.15%.

Does Hiway Federal Credit Union Visa Signature Cash 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 Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card have an intro APR offer on new purchases?

Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 12 months.

What are the fees for Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card Fees
Fees Amount
Annual Fee
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Hiway Federal Credit Union Visa Signature Cash Rewards 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 customer service phone number for Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card?

The Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card customer service number is (651) 291-1515.

Does Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card report your account activity to credit bureaus?

Yes, Hiway Federal Credit Union Visa Signature Cash Rewards 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 Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card

  • Visit the Hiway Federal Credit Union Visa Signature Cash Rewards 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 8:00am - 6:00pm
  • Tuesday 8:00am - 6:00pm
  • Wednesday 8:00am - 6:00pm
  • Thursday 8:00am - 6:00pm
  • Friday 8:00am - 6:00pm
  • Saturday 9:00am - 12:00pm

About Hiway Federal Credit Union Visa Signature Cash Rewards Credit Card

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View all personal credit cards offered by Hiway Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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

Every Purchase (Points) Rewards: 1% cash back bonus paid quarterly on all purchases
Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) Starting at $2
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 0
Cash Advance APR (Variable APR) 10.71% - 15.15%
Balance Computation a method called "average daily balance" (including new purchases).
Purchase APR (Variable APR) 10.71% - 15.15%
Balance Transfer APR (Variable APR) 10.71% - 15.15%
Balance Transfer Fee Minimum $2
Balance Transfer Fee % 2%
Card Type
  • Cashback
Card Network Visa

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