Mayo Employees Federal Credit Union Visa Classic
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| Purchase APR (Variable APR) | Starting at 11.25 |
| Balance Transfer APR (Variable APR) | Starting at 11.25 |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Mayo Employees Federal Credit Union Visa Classic Review
This is a cashback credit card issued by Mayo Employees Federal Credit Union. If you're wondering whether Mayo Employees Federal Credit Union Visa Classic 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.
- 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 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
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Does Mayo Employees Federal Credit Union Visa Classic 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.
What are the Mayo Employees Federal Credit Union Visa Classic benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Mayo Employees Federal Credit Union Visa Classic?
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.Mayo Employees Federal Credit Union Visa Classic has a variable purchase APR starting at 11.25% . The card has a variable balance transfer APR starting at 11.25% . It also has a variable cash advance APR starting at 11.25% .
Does Mayo Employees Federal Credit Union Visa Classic have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Mayo Employees Federal Credit Union Visa Classic 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 Mayo Employees Federal Credit Union Visa Classic?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| 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 Mayo Employees Federal Credit Union Visa Classic have a foreign transaction fee?
Mayo Employees Federal Credit Union Visa Classic 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 support contact email for Mayo Employees Federal Credit Union Visa Classic?
The support contact email for Mayo Employees Federal Credit Union Visa Classic is mecu@mayo.edu.
How do people rate the customer service and user experience of Mayo Employees Federal Credit Union Visa Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Mayo Employees Federal Credit Union Visa Classic report your account activity to credit bureaus?
Yes, Mayo Employees Federal Credit Union Visa Classic 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 Mayo Employees Federal Credit Union Visa Classic
- Visit the Mayo Employees Federal Credit Union Visa Classic 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.
Contact
- Headquarters
-
130 23rd Avenue SW Rochester,
MN 55902-0994
Rochester, MN 55902 - Visit Site
- Email Support
About Mayo Employees Federal Credit Union Visa Classic
Availability
- 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
| Cash Advance Fee Minimum | 0 |
| Cash Advance Fee (%) | Starting at 0 |
| Minimum Cash Advance Fee ($) | Starting at 0 |
| No Annual Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | 0 |
| No Interest Grace Period for Late Payment | 25 days |
| Foreign Currency Transaction Fee | 1 |
| Returned Payment Fee | Up to 25 |
| Paper Statement Fee | 5 |
| Late Fee Amount | Up to 25 |
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