Member One FCU plusONE Visa Credit Card
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| Purchase APR (Variable APR) | 14.9% - 16.9% |
| Balance Transfer APR (Variable APR) | 14.99% - 16.99% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Member One FCU plusONE Visa Credit Card Review
This is a cashback card issued by Member One Federal Credit Union. If you're wondering whether Member One FCU plusONE Visa Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. Member One FCU plusONE Visa Credit Card has a variable purchase APR that ranges from 14.9% up to 16.9%.
- 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 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 650.
Pros & Cons of Member One FCU plusONE Visa Credit Card
| The Good | The Bad |
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Member One FCU plusONE Visa Credit Card FAQ
Does Member One FCU plusONE Visa Credit 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% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.
What are the Member One FCU plusONE Visa Credit Card benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Member One FCU plusONE Visa Credit 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. This card has lower than average regular APRs.Member One FCU plusONE Visa Credit Card has a variable purchase APR that ranges from 14.9% up to 16.9%. The card has a variable balance transfer APR that ranges from 14.99% up to 16.99%. It also has a variable cash advance APR starting at 17.99% .
Does Member One FCU plusONE Visa Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 5.9% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 0% |
| Balance Transfer Introductory APR | 5.9% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 14.99% - 16.99% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does Member One FCU plusONE Visa Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Member One FCU plusONE Visa Credit Card?
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 Member One FCU plusONE Visa Credit Card have a foreign transaction fee?
Member One FCU plusONE Visa Credit Card 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 Member One FCU plusONE Visa Credit Card?
The Member One FCU plusONE Visa Credit Card customer service number is (800) 666-8811.
What is the support contact email for Member One FCU plusONE Visa Credit Card?
The support contact email for Member One FCU plusONE Visa Credit Card is eservices@memberonefcu.com.
What is the Member One FCU plusONE Visa Credit Card login page?
You can access the Member One FCU plusONE Visa Credit Card login page here.
How do people rate the customer service and user experience of Member One FCU plusONE Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Member One FCU plusONE Visa Credit Card report your account activity to credit bureaus?
Yes, Member One FCU plusONE Visa Credit 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 Member One FCU plusONE Visa Credit Card
- Visit the Member One FCU plusONE Visa Credit 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.
Contact
- Headquarters
-
6103 Fulk Dr Suite C Radford, VA 24141
Radford, VA 24141 USA - (800) 666-8811
- Visit Site
- Email Support
Other Services by Member One Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 12 months |
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