Last Updated: 07/28/2025
McCoy Federal Credit Union Visa Signature Cash Back Card
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
Starting at 10.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 10.50%(Verified 06/21/2024)
Disclaimer popup with additional information
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.
Key Takeaways
- Welcome offer. 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 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 1.5% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of McCoy Federal Credit Union Visa Signature Cash Back Card
| The Good | The Bad |
|
|
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.McCoy Federal Credit Union Visa Signature Cash Back Card 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for McCoy Federal Credit Union Visa Signature Cash Back Card 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.
What is the login page for McCoy Federal Credit Union Visa Signature Cash Back Card?
You can access the login page of McCoy Federal Credit Union Visa Signature Cash Back Card here.
How do people rate the customer service and user experience of McCoy Federal Credit Union Visa Signature Cash Back Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 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 McCoy Federal Credit Union perform a hard credit pull?
Yes, McCoy Federal Credit Union Visa Signature Cash Back 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 McCoy Federal Credit Union Visa Signature Cash Back Card
- Visit the website of McCoy Federal Credit Union Visa Signature Cash Back 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.
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.
Hours of Operation
Sunday
Closed
Monday
Invalid DateTime - Invalid DateTime
Tuesday
Invalid DateTime - Invalid DateTime
Wednesday
Invalid DateTime - Invalid DateTime
Thursday
Invalid DateTime - Invalid DateTime
Friday
Invalid DateTime - Invalid DateTime
Saturday
Closed