Last Updated: 07/28/2025
IQ Credit Union VISA Signature Rewards Credit Card
Unaffiliated
in Credit Cards from IQ Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.24% - 16.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.24% - 16.24%(Verified 06/21/2024)
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Credit Score Range
680 - 850
Annual Fee
Up to $49
IQ Credit Union VISA Signature Rewards Credit Card Review
This is a rewards 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.
Key Takeaways
- Welcome offer. Offers a signup bonus of 25000 points that can be redeemed for travel, gifts, or other perks.
- APRs: IQ Credit Union VISA Signature Rewards Credit Card has a variable regular 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 Auto Rental Collision Damage Waiver, extended warranty protection on purchases, travel accident insurance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of IQ Credit Union VISA Signature Rewards Credit Card
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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?
IQ Credit Union VISA Signature Rewards Credit Card is a rewards card.
| Description |
Does IQ Credit Union VISA Signature Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 25000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does IQ Credit Union VISA Signature Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the IQ Credit Union VISA Signature Rewards Credit Card benefits?
IQ Credit Union VISA Signature Rewards Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 24 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.24% - 16.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | NaN% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 24 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does IQ Credit Union VISA Signature Rewards Credit Card have an intro APR offer on new purchases?
| 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 6 months.
What are the fees for IQ Credit Union VISA Signature Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $49 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $49.
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 customer service phone number for IQ Credit Union VISA Signature Rewards Credit Card?
The customer service number for IQ Credit Union VISA Signature Rewards Credit Card is (800) 247-4364.
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 login page for IQ Credit Union VISA Signature Rewards Credit Card?
You can access the login page of IQ Credit Union VISA Signature Rewards Credit Card 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 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 IQ Credit Union perform a hard credit pull?
Yes, IQ Credit Union VISA Signature Rewards 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 IQ Credit Union VISA Signature Rewards Credit Card
- Visit the website of IQ Credit Union VISA Signature Rewards 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.
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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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