Idaho Central CU Rewards Visa Credit Card

Idaho Central CU Rewards Visa Credit Card Review

This is a rewards card issued by Idaho Central Credit Union. If you're wondering whether Idaho Central CU Rewards Visa Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Signup bonus. Offers a signup bonus of 4000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Idaho Central CU Rewards Visa Credit Card has a variable purchase APR that ranges from 12.99% up to 17.99%.
• 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.
• 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, access to a concierge, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Idaho Central CU Rewards Visa Credit Card

Idaho Central CU Rewards Visa Credit Card FAQ

Does Idaho Central CU Rewards Visa Credit Card have a cash back or rewards program?

Idaho Central CU Rewards Visa Credit Card is a rewards card.

What are the Idaho Central CU Rewards Visa Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Idaho Central CU Rewards Visa Credit Card?

Idaho Central CU Rewards Visa Credit Card has a variable purchase APR that ranges from 12.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 17.99%. It also has a variable cash advance APR that ranges from 12.99% up to 17.99%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Idaho Central CU Rewards Visa Credit Card?

The following fees apply:

• An overlimit fee of $25.

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Idaho Central CU Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, Idaho Central CU Rewards 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 Idaho Central CU Rewards Visa Credit Card

• Visit the Idaho Central CU Rewards 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.