Last Updated: 07/28/2025
IMCU World Premier MasterCard®
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.99% - 17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
15.99% - 17.99%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
$0
IMCU World Premier MasterCard® Review
This is a cashback credit card issued by Indiana Members Credit Union. If you're wondering whether IMCU World Premier MasterCard® is the right card for you, read on.
Key Takeaways
- APRs: IMCU World Premier MasterCard® has a variable regular purchase APR that ranges from 15.99% up to 17.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 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 World Premier MasterCard
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IMCU World Premier MasterCard FAQ
Does IMCU World Premier MasterCard have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points - 1.5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does IMCU World Premier MasterCard have a signup bonus?
This card doesn't offer a cash signup bonus.Does IMCU World Premier MasterCard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the IMCU World Premier MasterCard benefits?
IMCU World Premier MasterCard® provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for IMCU World Premier 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 World Premier MasterCard® has a variable purchase APR that ranges from 15.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 17.99%. It also has a variable cash advance APR that ranges from 15.99% up to 17.99%.
Does IMCU World Premier MasterCard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.90% for a period of 12 months.
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| Balance Transfer APR | 15.99% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does IMCU World Premier MasterCard have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 1.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 1.90% on qualified purchases for a period of 12 months.
What are the fees for IMCU World Premier MasterCard?
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| 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 cashback card.
Does IMCU World Premier MasterCard have a foreign transaction fee?
IMCU World Premier 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 World Premier MasterCard?
The customer service number for IMCU World Premier MasterCard is (800) 527-7258.
What is the support contact email for IMCU World Premier MasterCard?
The support contact email for IMCU World Premier MasterCard is members@imcu.com.
What is the login page for IMCU World Premier MasterCard?
You can access the login page of IMCU World Premier MasterCard here.
How do people rate the customer service and user experience of IMCU World Premier MasterCard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does IMCU World Premier MasterCard® report your account activity to credit bureaus?
Yes, IMCU World Premier 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 World Premier 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 World Premier MasterCard
- Visit the website of IMCU World Premier 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