Last Updated: 07/28/2025
Members Cooperative CU College Real Rewards Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.74% - 17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.74% - 17.99%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Members Cooperative CU College Real Rewards Card Review
This is a rewards card issued by Members Cooperative Credit Union. If you're wondering whether Members Cooperative CU College Real Rewards Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- Earn 1.5 points monthly for every $1 you spend on eligible net purchases.
- APRs: Members Cooperative CU College Real Rewards Card has a variable regular purchase APR that ranges from 16.74% up to 17.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards 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 up to 3% every time you make a transaction outside the U.S.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
Pros & Cons of Members Cooperative CU Card
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Members Cooperative CU Card FAQ
Does Members Cooperative CU Card have a cash back or rewards program?
Members Cooperative CU Card is a rewards card.
| Description |
Does Members Cooperative CU Card have a signup bonus?
Yes. Earn 1.5 points monthly for every $1 you spend on eligible net purchases.
Does Members Cooperative CU Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Members Cooperative CU 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.Members Cooperative CU College Real Rewards Card has a variable purchase APR that ranges from 16.74% up to 17.99%. The card has a variable balance transfer APR that ranges from 16.74% up to 17.99%.
Does Members Cooperative CU Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.74% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Members Cooperative CU Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Members Cooperative CU Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Members Cooperative CU Card have a foreign transaction fee?
Members Cooperative CU Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Members Cooperative CU Card?
The customer service number for Members Cooperative CU Card is (800) 296-8871.
What is the support contact email for Members Cooperative CU Card?
The support contact email for Members Cooperative CU Card is memberservices@membersccu.org.
What is the login page for Members Cooperative CU Card?
You can access the login page of Members Cooperative CU Card here.
How do people rate the customer service and user experience of Members Cooperative CU Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members Cooperative Credit Union perform a hard credit pull?
Yes, Members Cooperative CU 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 Members Cooperative CU Card
- Visit the website of Members Cooperative CU 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.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:30PM
Tuesday
8:00AM - 5:30PM
Wednesday
8:00AM - 5:30PM
Thursday
8:00AM - 5:30PM
Friday
8:00AM - 5:30PM
Saturday
8:30AM - 5:30PM