MEMBERS1st Community CU Visa Credit Card
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| Purchase APR (Variable APR) | 8.65% - 18.65% |
| Balance Transfer APR (Variable APR) | 8.65% - 18.65% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
MEMBERS1st Community CU Visa Credit Card Review
This is a rewards credit card issued by MEMBERS1st Community Credit Union. If you're wondering whether MEMBERS1st Community CU Visa Credit 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
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- Competitive APRs. MEMBERS1st Community CU Visa Credit Card has a variable purchase APR that ranges from 8.65% up to 18.65%.
- 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 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, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of MEMBERS1st Community CU Visa Credit Card
| The Good | The Bad |
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MEMBERS1st Community CU Visa Credit Card FAQ
Does MEMBERS1st Community CU Visa Credit Card have a cash back or rewards program?
MEMBERS1st Community CU Visa Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does MEMBERS1st Community CU Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does MEMBERS1st Community CU Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the MEMBERS1st Community CU Visa Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for MEMBERS1st Community CU 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.MEMBERS1st Community CU Visa Credit Card has a variable purchase APR that ranges from 8.65% up to 18.65%. The card has a variable balance transfer APR that ranges from 8.65% up to 18.65%. It also has a variable cash advance APR that ranges from 8.65% up to 18.65%.
Does MEMBERS1st Community CU Visa Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0.99% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0.99% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 8.65% - 18.65% |
| Balance Transfer Fee Minimum | $3 |
Does MEMBERS1st Community CU Visa Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 2.99% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 2.99% on qualified purchases for a period of up to 6 months.
What are the fees for MEMBERS1st Community CU Visa Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| 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 rewards card.
Does MEMBERS1st Community CU Visa Credit Card have a foreign transaction fee?
MEMBERS1st Community CU 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 MEMBERS1st Community CU Visa Credit Card?
The MEMBERS1st Community CU Visa Credit Card customer service number is .
What is the support contact email for MEMBERS1st Community CU Visa Credit Card?
The support contact email for MEMBERS1st Community CU Visa Credit Card is info@members1st.com.
What is the MEMBERS1st Community CU Visa Credit Card login page?
You can access the MEMBERS1st Community CU Visa Credit Card login page here.
How do people rate the customer service and user experience of MEMBERS1st Community CU Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MEMBERS1st Community CU Visa Credit Card report your account activity to credit bureaus?
Yes, MEMBERS1st Community CU 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 MEMBERS1st Community CU Visa Credit Card
- Visit the MEMBERS1st Community CU 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
-
PO Box 777
Marshalltown
Marshalltown, IA 50158 USA - Visit Site
- Email Support
Other Services by MEMBERS1st Community Credit Union
Availability
Feature Breakdown
| Introductory Rate | 2.99% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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