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  IQ Credit Union VISA Signature Rewards Credit Card
IQ Credit Union VISA Signature Rewards Credit Card Unaffiliated

IQ Credit Union VISA Signature Rewards Credit Card

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Highlights
Purchase APR 10.24% - 16.24%
Balance Transfer APR 10.24% - 16.24%
Credit Score Range 680 - 850
Annual Fee Up to $49

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.

Key Takeaways
  • 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.
Pros & Cons of IQ Credit Union VISA Signature Rewards Credit Card
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.
IQ Credit Union VISA Signature Rewards Credit Card FAQ

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%.

Does IQ Credit Union VISA Signature Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.99-7.99% for a period of up to 24 months.

IQ Credit Union VISA Signature Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.99-7.99%
Balance Transfer Intro APR Period 24 months
Balance Transfer APR 10.24% - 16.24%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does IQ Credit Union VISA Signature Rewards Credit Card have an intro APR offer on new purchases?

IQ Credit Union VISA Signature Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 2.99%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 2.99% on qualified purchases for a period of up to 6 months.

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 have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the support contact email for IQ Credit Union VISA Signature Rewards Credit Card?

The support contact email for IQ Credit Union VISA Signature Rewards Credit Card is businessservices@iqcu.com.

What is the IQ Credit Union VISA Signature Rewards Credit Card login page?

You can access the IQ Credit Union VISA Signature Rewards Credit Card login page here.

How do people rate the customer service and user experience of IQ Credit Union VISA Signature Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

About IQ Credit Union VISA Signature Rewards Credit Card

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View all credit cards offered by IQ Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 2.99%
Purchase Intro APR Period 6 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Annual Fee Up to $49
Additional Card Fee Amount $5
Late Fee Amount Up to $25
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 25,000
Cash Advance APR 10.24% - 16.24%
Balance Computation a method called “average daily balance (including new purchases)”.
Purchase APR 10.24% - 16.24%
Balance Transfer Introductory APR 1.99-7.99%
Balance Transfer Intro APR Period 24 months
Balance Transfer APR 10.24% - 16.24%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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