SuperMoney
  McCoy Federal Credit Union Visa Signature Cash Back Card

McCoy Federal Credit Union Visa Signature Cash Back Card

in Personal Credit Cards from McCoy Federal Credit Union

Unaffiliated

McCoy Federal Credit Union Visa Signature Cash Back Card

Unaffiliated

in Personal Credit Cards from McCoy Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend McCoy Federal Credit Union Visa Signature Cash Back Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) Starting at 10.50
Balance Transfer APR  (Variable APR) Starting at 10.50
Credit Score Range 680 - 850
Annual Fee $0

McCoy Federal Credit Union Visa Signature Cash Back Card Review

This is a cashback credit card issued by McCoy Federal Credit Union. If you're wondering whether McCoy Federal Credit Union Visa Signature Cash Back Card 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
  • Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.5% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of McCoy Federal Credit Union Visa Signature Cash Back Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Access to a concierge.
  • McCoy Federal Credit Union Visa Signature Cash Back Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 1.5%.
  • Does not include many credit card benefits.
McCoy Federal Credit Union Visa Signature Cash Back Card FAQ

Does McCoy Federal Credit Union Visa Signature Cash Back 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. You will receive 1.25% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $12.5 back in cash.

What are the McCoy Federal Credit Union Visa Signature Cash Back Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for McCoy Federal Credit Union Visa Signature Cash Back Card?

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 starting at 10.50% . The card has a variable balance transfer APR starting at 10.50% . It also has a variable cash advance APR starting at 10.50% .

The good news is this card does not charge a penalty APR if you are late on a payment.

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

No, it does not come with an intro APR offer for balance transfers.

Does McCoy Federal Credit Union Visa Signature Cash Back 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 McCoy Federal Credit Union Visa Signature Cash Back Card?

The following fees apply:

  • There is no overlimit fee
McCoy Federal Credit Union Visa Signature Cash Back Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $0
Foreign Transaction Fee 1.5%
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 McCoy Federal Credit Union Visa Signature Cash Back Card have a foreign transaction fee?

McCoy Federal Credit Union Visa Signature Cash Back Card charges a foreign transaction fee of 1.5%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $30. 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 McCoy Federal Credit Union Visa Signature Cash Back Card?

The McCoy Federal Credit Union Visa Signature Cash Back Card customer service number is (407) 855-5452.

What is the support contact email for McCoy Federal Credit Union Visa Signature Cash Back Card?

The support contact email for McCoy Federal Credit Union Visa Signature Cash Back Card is mccoy@mccoyfcu.org.

Does McCoy Federal Credit Union Visa Signature Cash Back Card report your account activity to credit bureaus?

Yes, McCoy Federal Credit Union Visa Signature Cash Back Card 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 McCoy Federal Credit Union Visa Signature Cash Back Card

  • Visit the McCoy Federal Credit Union Visa Signature Cash Back Card 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 6:00am - 2:00am
  • Tuesday 6:00am - 2:00am
  • Wednesday 6:00am - 2:00am
  • Thursday 6:00am - 2:00am
  • Friday 6:00am - 3:00am
  • Saturday Closed

Other Services by McCoy Federal Credit Union

Icon for Personal Credit Cards
View all personal credit cards offered by McCoy Federal 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

No Annual Fee
Annual Fee $0
Minimum Interest Charge 0
Over-Limit Fee 0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum 10
Cash Advance Fee (%) Starting at 3
Minimum Cash Advance Fee ($) Starting at 10
Initial Program Fee 0
Foreign Currency Transaction Fee 1.5
Returned Payment Fee Up to 25
Paper Statement Fee 5
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
  • Fraud Liability
  • Concierge
Rewards Categories
  • Every Purchase
Signup Bonus (points) 5,000
Cash Advance APR (Variable APR) Starting at 10.50
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 0
Purchase APR (Variable APR) Starting at 10.50
Balance Transfer Fee % After Intro Period 0
Balance Transfer APR (Variable APR) Starting at 10.50
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Cashback
Card Network Visa

Be the first to rate

 

Would you recommend McCoy Federal Credit Union Visa Signature Cash Back Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

McCoy Federal Credit Union Personal Credit Cards

Loading...