Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 8.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 8.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
MECU Visa Signature Cash Reward Review
This is a cashback credit card issued by MECU. If you're wondering whether MECU Visa Signature Cash Reward is the right card for you, read on.
Key Takeaways
- 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.
- $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 up to 1% 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, price protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of MECU Visa Signature Cash Reward
| The Good | The Bad |
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MECU Visa Signature Cash Reward FAQ
Does MECU Visa Signature Cash Reward 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.
| Description |
Does MECU Visa Signature Cash Reward have a signup bonus?
This card doesn't offer a cash signup bonus.Does MECU Visa Signature Cash Reward offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the MECU Visa Signature Cash Reward benefits?
MECU Visa Signature Cash Reward provides the following benefits:
- Emergency Support
- Zero fraud liability
- Price Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for MECU Visa Signature Cash Reward?
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.MECU Visa Signature Cash Reward has a variable purchase APR starting at 8.50%. The card has a variable balance transfer APR starting at 8.50% . It also has a variable cash advance APR starting at 8.50% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does MECU Visa Signature Cash Reward have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | Starting at 8.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does MECU Visa Signature Cash Reward have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of 12 months.
What are the fees for MECU Visa Signature Cash Reward?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $24 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 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 MECU Visa Signature Cash Reward have a foreign transaction fee?
MECU Visa Signature Cash Reward charges a foreign transaction fee of up to 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 MECU Visa Signature Cash Reward?
The customer service number for MECU Visa Signature Cash Reward is (800) 248-6328.
What is the support contact email for MECU Visa Signature Cash Reward?
The support contact email for MECU Visa Signature Cash Reward is info1@mecu.com.
How do people rate the customer service and user experience of MECU Visa Signature Cash Reward?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MECU Visa Signature Cash Reward report your account activity to credit bureaus?
Yes, MECU Visa Signature Cash Reward 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 MECU perform a hard credit pull?
Yes, MECU Visa Signature Cash Reward 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 MECU Visa Signature Cash Reward
- Visit the website of MECU Visa Signature Cash Reward.
- 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.
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Hours of Operation
SundayClosedMonday8:30AM - 4:30PMTuesday8:30AM - 4:30PMWednesday8:30AM - 4:30PMThursday9:00AM - 4:30PMFriday8:30AM - 5:30PMSaturdayClosed
Other Services by MECU
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Other Credit Cards from MECU
Rating not yet determined
Purchase APR
8.75% - 11.75%
Disclaimer popup with additional information
Balance Transfer APR
8.75% - 11.75%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.75% - 12.75%
Disclaimer popup with additional information
Balance Transfer APR
9.75% - 12.75%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 12.92%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 12.92%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
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MECU Visa Signature Cash Reward Community Reviews
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