Last Updated: 07/28/2025
IH Mississippi Valley Credit Union 9.9% APR Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
Up to 9.9%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
Up to 9.9%(Verified 06/21/2024)
Credit Score Range
600 - 850
Annual Fee
$0
IH Mississippi Valley Credit Union 9.9% APR Credit Card Review
This is a card issued by IH Mississippi Valley Credit Union. If you're wondering whether IH Mississippi Valley Credit Union 9.9% APR Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 2% balance transfer fee. IH Mississippi Valley Credit Union 9.9% APR 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of IH Mississippi Valley Credit Union 9.9% APR Credit Card
| The Good | The Bad |
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IH Mississippi Valley Credit Union 9.9% APR Credit Card FAQ
Does IH Mississippi Valley Credit Union 9.9% APR Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for IH Mississippi Valley Credit Union 9.9% APR Credit Card?
It has a fixed purchase APR of up to 9.9%. fixed balance transfer APR of up to 9.9%. IH Mississippi Valley Credit Union 9.9% APR Credit Card does not offer balance transfers. The card has a fixed cash advance APR of up to 9.9%. Note that late payments are subject to an APR of 12.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does IH Mississippi Valley Credit Union 9.9% APR Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | Up to 9.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does IH Mississippi Valley Credit Union 9.9% APR Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for IH Mississippi Valley Credit Union 9.9% APR Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does IH Mississippi Valley Credit Union 9.9% APR Credit Card have a foreign transaction fee?
IH Mississippi Valley Credit Union 9.9% APR Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for IH Mississippi Valley Credit Union 9.9% APR Credit Card?
The customer service number for IH Mississippi Valley Credit Union 9.9% APR Credit Card is (309) 793-6200.
What is the support contact email for IH Mississippi Valley Credit Union 9.9% APR Credit Card?
The support contact email for IH Mississippi Valley Credit Union 9.9% APR Credit Card is memberservice@ihmvcu.org.
How do people rate the customer service and user experience of IH Mississippi Valley Credit Union 9.9% APR Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does IH Mississippi Valley Credit Union 9.9% APR Credit Card report your account activity to credit bureaus?
Yes, IH Mississippi Valley Credit Union 9.9% APR 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 IH Mississippi Valley Credit Union perform a hard credit pull?
Yes, IH Mississippi Valley Credit Union 9.9% APR 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 IH Mississippi Valley Credit Union 9.9% APR Credit Card
- Visit the website of IH Mississippi Valley Credit Union 9.9% APR 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.
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.
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Hours of Operation
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Other Services by IH Mississippi Valley Credit Union
Other Credit Cards from IH Mississippi Valley Credit Union
Rating not yet determined
Purchase APR
Up to 11.9%
Balance Transfer APR
Up to 11.9%
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 7.9%
Balance Transfer APR
Up to 7.9%
Credit Score Range
680 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
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