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  MAX Credit Union Smart Rewards VISA

MAX Credit Union Smart Rewards VISA

in Personal Credit Cards from MAX Credit Union

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MAX Credit Union Smart Rewards VISA

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in Personal Credit Cards from MAX Credit Union

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Highlights
Purchase APR  (Variable APR) 8.75% - 18%
Balance Transfer APR  (Variable APR) 8.75% - 18%
Credit Score Range 650 - 850
Annual Fee $0

MAX Credit Union Smart Rewards VISA Review

This is a rewards credit card issued by MAX Credit Union. If you're wondering whether MAX Credit Union Smart Rewards VISA 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 6 months , which is shorter than the average 0% APR period of 12 months.
  • Competitive APRs. MAX Credit Union Smart Rewards VISA has a variable purchase APR that ranges from 8.75% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards 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. After the introductory period, the fee is 0%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of MAX Credit Union Smart Rewards VISA
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • No annual fee.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • MAX Credit Union Smart Rewards VISA reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
MAX Credit Union Smart Rewards VISA FAQ

Does MAX Credit Union Smart Rewards VISA have a cash back or rewards program?

MAX Credit Union Smart Rewards VISA is a rewards card. This card features rewards for purchases in the following categories:

MAX Credit Union Smart Rewards VISA Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does MAX Credit Union Smart Rewards VISA have a signup bonus?

This card doesn't offer a cash signup bonus.

Does MAX Credit Union Smart Rewards VISA offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the MAX Credit Union Smart Rewards VISA benefits?

It provides the following benefits:

  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for MAX Credit Union Smart Rewards VISA?

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 8.75% up to 18%. The card has a variable balance transfer APR that ranges from 8.75% up to 18%. It also has a variable cash advance APR that ranges from 8.75% up to 18%.

Does MAX Credit Union Smart Rewards VISA 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 6 months.

MAX Credit Union Smart Rewards VISA Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 8.75% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does MAX Credit Union Smart Rewards VISA 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 MAX Credit Union Smart Rewards VISA?

The following fees apply:

MAX Credit Union Smart Rewards VISA Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $30
Late Payment Fee $0.50 - $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does MAX Credit Union Smart Rewards VISA have a foreign transaction fee?

MAX Credit Union Smart Rewards VISA charges a foreign transaction fee of 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 MAX Credit Union Smart Rewards VISA?

The MAX Credit Union Smart Rewards VISA customer service number is (334) 260-2600.

Does MAX Credit Union Smart Rewards VISA report your account activity to credit bureaus?

Yes, MAX Credit Union Smart Rewards VISA 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 MAX Credit Union Smart Rewards VISA

  • Visit the MAX Credit Union Smart Rewards VISA 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 7:00am - 2:00am
  • Tuesday 7:00am - 2:00am
  • Wednesday 7:00am - 2:00am
  • Thursday 5:00am - 2:00am
  • Friday 5:00am - 2:00am
  • Saturday Closed

Other Services by MAX Credit Union

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View all personal credit cards offered by MAX 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

Every Purchase (Points) Starting at 1
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
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $30
Late Fee Amount $0.50 - $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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Travel Accident Insurance
Rewards Rates
  • Travel
Cash Advance APR (Variable APR) 8.75% - 18%
Balance Computation Average Daily Balance (including new purchases)
Purchase APR (Variable APR) 8.75% - 18%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 8.75% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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