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  Kitsap Credit Union Visa Signature Cash Back

Kitsap Credit Union Visa Signature Cash Back

in Personal Credit Cards from Kitsap Credit Union

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Kitsap Credit Union Visa Signature Cash Back

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in Personal Credit Cards from Kitsap Credit Union

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Highlights
Purchase APR  (Variable APR) 7.65% - 17.65%
Balance Transfer APR  (Variable APR) 9.65% - 19.65%
Credit Score Range 680 - 850
Annual Fee $0

Kitsap Credit Union Visa Signature Cash Back Review

This is a cashback credit card issued by Kitsap Credit Union. If you're wondering whether Kitsap Credit Union Visa Signature Cash Back 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Kitsap Credit Union Visa Signature Cash Back has a variable purchase APR that ranges from 7.65% up to 17.65%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 0 day of opening the account.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Kitsap Credit Union Visa Signature Cash Back
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee, if you transfer the balance within 0 day. -->.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere Kitsap Credit Union Visa Signature Cash Back is accepted.
  • Kitsap Credit Union Visa Signature Cash Back reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
Kitsap Credit Union Visa Signature Cash Back FAQ

Does Kitsap Credit Union Visa Signature Cash Back 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. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

Kitsap Credit Union Visa Signature Cash Back Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A

Does Kitsap Credit Union Visa Signature Cash Back have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Kitsap Credit Union Visa Signature Cash Back offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Kitsap Credit Union Visa Signature Cash Back benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Kitsap Credit Union Visa Signature Cash Back?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 7.65% up to 17.65%. The card has a variable balance transfer APR that ranges from 9.65% up to 19.65%. It also has a variable cash advance APR that ranges from 9.65% up to 19.65%.

Does Kitsap Credit Union Visa Signature Cash Back have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Kitsap Credit Union Visa Signature Cash Back Balance Transfers
Description
Balance Transfer Fee Intro Period 0 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.65% - 19.65%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Kitsap Credit Union Visa Signature Cash Back have an intro APR offer on new purchases?

Kitsap Credit Union Visa Signature Cash Back Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Kitsap Credit Union Visa Signature Cash Back?

The following fees apply:

Kitsap Credit Union Visa Signature Cash Back Fees
Fees Amount
Annual Fee $0
Initial Program Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $28
Late Payment Fee 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 Kitsap Credit Union Visa Signature Cash Back have a foreign transaction fee?

Kitsap Credit Union Visa Signature Cash Back charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Kitsap Credit Union Visa Signature Cash Back?

The Kitsap Credit Union Visa Signature Cash Back customer service number is (360) 662-2000.

Does Kitsap Credit Union Visa Signature Cash Back report your account activity to credit bureaus?

Yes, Kitsap Credit Union Visa Signature Cash Back reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Kitsap Credit Union Visa Signature Cash Back

  • Visit the Kitsap Credit Union Visa Signature Cash Back 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 - 5:00am
  • Tuesday 9:00am - 5:00am
  • Wednesday 9:00am - 5:00am
  • Thursday 9:00am - 5:00am
  • Friday 9:00am - 5:00am
  • Saturday Closed

Other Services by Kitsap Credit Union

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View all personal credit cards offered by Kitsap 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 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) Starting at 0%
Minimum Cash Advance Fee ($) Starting at $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Additional Card Fee Amount $0
Initial Program Fee Starting at $0
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $28
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Travel Accident Insurance
  • Concierge
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 9.65% - 19.65%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 7.65% - 17.65%
Balance Transfer Fee Intro Period 0 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.65% - 19.65%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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