Last Updated: 07/28/2025
Kellogg Community Elite Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.75% - 24.75%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.75% - 24.75%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Kellogg Community Elite Credit Card Review
This is a cashback credit card issued by Kellogg Community Credit Union. If you're wondering whether Kellogg Community Elite Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Kellogg Community Elite Credit Card has a variable regular purchase APR that ranges from 12.75% up to 24.75%.
- 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.
Pros & Cons of kellogg community elite credit card
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kellogg community elite credit card FAQ
Does kellogg community elite credit card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for kellogg community elite 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.Kellogg Community Elite Credit Card has a variable purchase APR that ranges from 12.75% up to 24.75%. The card has a variable balance transfer APR that ranges from 12.75% up to 24.75%. It also has a variable cash advance APR that ranges from 12.75% up to 24.75%.
Note that late payments are subject to an APR of 25.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does kellogg community elite credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does kellogg community elite credit card 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 kellogg community elite credit card?
| 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 cashback card.
Does kellogg community elite credit card have a foreign transaction fee?
kellogg community elite credit card 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 kellogg community elite credit card?
The customer service number for kellogg community elite credit card is (800) 854-5421.
What is the support contact email for kellogg community elite credit card?
The support contact email for kellogg community elite credit card is contactus@kelloggccu.org.
What is the login page for kellogg community elite credit card?
You can access the login page of kellogg community elite credit card here.
How do people rate the customer service and user experience of kellogg community elite credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Kellogg Community Elite Credit Card report your account activity to credit bureaus?
Yes, Kellogg Community Elite 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 Kellogg Community Credit Union perform a hard credit pull?
Yes, kellogg community elite 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 kellogg community elite credit card
- Visit the website of kellogg community elite 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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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
9:00AM - 1:00PM