IQ Credit Union VISA Signature Rewards Credit Card

IQ Credit Union VISA Signature Rewards Credit Card Review

This is a credit card issued by IQ Credit Union. If you're wondering whether IQ Credit Union VISA Signature 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.

• Signup bonus. Offers a signup bonus of 25000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. IQ Credit Union VISA Signature Rewards Credit Card has a variable purchase APR that ranges from 10.24% up to 16.24%.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

The Good	The Bad
every dollar spend will earn bonus points—redeemable for exciting rewards or cash back inside your online banking. Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99-7.99%. No balance transfer fee. Multiple credit card perks. No foreign transaction fee. IQ Credit Union VISA Signature Rewards Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Does IQ Credit Union VISA Signature Rewards Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

What are the IQ Credit Union VISA Signature Rewards Credit Card benefits?

It provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for IQ Credit Union VISA Signature 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. This card has lower than average regular APRs.

IQ Credit Union VISA Signature Rewards Credit Card has a variable purchase APR that ranges from 10.24% up to 16.24%. The card has a variable balance transfer APR that ranges from 10.24% up to 16.24%. It also has a variable cash advance APR that ranges from 10.24% up to 16.24%.

What are the fees for IQ Credit Union VISA Signature Rewards Credit Card?

The following fees apply:

IQ Credit Union VISA Signature Rewards Credit Card Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	0%
Late Payment Fee	up to $25

Does IQ Credit Union VISA Signature Rewards Credit Card report your account activity to credit bureaus?

Yes, IQ Credit Union VISA Signature Rewards Credit Card reports your account activity to the following credit reporting agencies:

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 IQ Credit Union VISA Signature Rewards Credit Card

• Visit the IQ Credit Union VISA Signature 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.