Last Updated: 07/28/2025
IMCU Premier Rewards+ MasterCard®
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.49% - 23.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.49% - 23.49%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$0
IMCU Premier Rewards+ MasterCard® Review
This is a rewards card issued by Indiana Members Credit Union. If you're wondering whether IMCU Premier Rewards+ MasterCard® is the right card for you, read on.
Key Takeaways
- APRs: IMCU Premier Rewards+ MasterCard® has a variable regular purchase APR that ranges from 14.49% up to 23.49%.
- 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 up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of IMCU Premier Rewards MasterCard
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IMCU Premier Rewards MasterCard FAQ
Does IMCU Premier Rewards MasterCard have a cash back or rewards program?
IMCU Premier Rewards MasterCard is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does IMCU Premier Rewards MasterCard have a signup bonus?
This card doesn't offer a cash signup bonus.Does IMCU Premier Rewards MasterCard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the IMCU Premier Rewards MasterCard benefits?
IMCU Premier Rewards+ MasterCard® provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for IMCU Premier Rewards MasterCard?
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.IMCU Premier Rewards+ MasterCard® has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR that ranges from 14.49% up to 23.49%.
Does IMCU Premier Rewards MasterCard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does IMCU Premier Rewards MasterCard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for IMCU Premier Rewards MasterCard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $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 IMCU Premier Rewards MasterCard have a foreign transaction fee?
IMCU Premier Rewards MasterCard 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 IMCU Premier Rewards MasterCard?
The customer service number for IMCU Premier Rewards MasterCard is (800) 527-7258.
What is the support contact email for IMCU Premier Rewards MasterCard?
The support contact email for IMCU Premier Rewards MasterCard is members@imcu.com.
What is the login page for IMCU Premier Rewards MasterCard?
You can access the login page of IMCU Premier Rewards MasterCard here.
How do people rate the customer service and user experience of IMCU Premier Rewards MasterCard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does IMCU Premier Rewards+ MasterCard® report your account activity to credit bureaus?
Yes, IMCU Premier Rewards+ MasterCard® 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 Indiana Members Credit Union perform a hard credit pull?
Yes, IMCU Premier Rewards MasterCard 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 IMCU Premier Rewards MasterCard
- Visit the website of IMCU Premier Rewards MasterCard.
- 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM