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  Meritrust Credit Union Visa Member Select

Meritrust Credit Union Visa Member Select

in Personal Credit Cards from Meritrust Credit Union

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Meritrust Credit Union Visa Member Select

Unaffiliated

in Personal Credit Cards from Meritrust Credit Union

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Highlights
Purchase APR  (Variable APR) 9.75% - 18%
Balance Transfer APR  (Variable APR) 9.75% - 18%
Credit Score Range 670 - 750
Annual Fee $0

Meritrust Credit Union Visa Member Select Review

Meritrust Credit Union Visa Member Select is a credit card issued by Meritrust Credit Union. If you're wondering whether Meritrust Credit Union Visa Member Select is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Meritrust Credit Union Visa Member Select has a variable purchase APR that ranges from 9.75% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.
Meritrust Credit Union Visa Member Select Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Meritrust Credit Union Visa Member Select reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Meritrust Credit Union Visa Member Select FAQ

Is there a Meritrust Credit Union Visa Member Select cash back or rewards program?

No, Meritrust Credit Union Visa Member Select does not offer a rewards program.

What are the relevant APRs for Meritrust Credit Union Visa Member Select?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Meritrust Credit Union Visa Member Select has lower than average purchase APRs.

Meritrust Credit Union Visa Member Select has a variable purchase APR that ranges from 9.75% up to 18%. The card has a variable balance transfer APR that ranges from 9.75% up to 18%. It also has a variable cash advance APR that ranges from 9.75% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Meritrust Credit Union Visa Member Select have an introductory APR offer on balance transfers?

No, Meritrust Credit Union Visa Member Select does not come with an introductory APR offer for balance transfers.

Does Meritrust Credit Union Visa Member Select have an introductory APR offer on new purchases?

Meritrust Credit Union Visa Member Select does not offer an introductory rate on new purchases.

What are the fees for Meritrust Credit Union Visa Member Select?

The following fees apply to Meritrust Credit Union Visa Member Select:

  • An overlimit fee of $28.
Meritrust Credit Union Visa Member Select Fees
Fees Amount
Annual Fee $0
Overlimit Fee $28
Foreign Transaction Fee 0%
Returned Payment Fee up to $28
Late Payment Fee up to $28

Does Meritrust Credit Union Visa Member Select have a foreign transaction fee?

Meritrust Credit Union Visa Member Select does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Meritrust Credit Union Visa Member Select report your account activity to credit bureaus?

Yes, Meritrust Credit Union Visa Member Select 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 Meritrust Credit Union Visa Member Select

  • Visit the Meritrust Credit Union Visa Member Select 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 58:00pm - 21:00pm
  • Tuesday 58:00pm - 21:00pm
  • Wednesday 58:00pm - 21:00pm
  • Thursday 58:00pm - 21:00pm
  • Friday 58:00pm - 21:00pm
  • Saturday Closed

Other Services by Meritrust Credit Union

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Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $8
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) $8 - $35
Over-Limit Fee $28
Returned Payment Fee Up to $28
Late Fee Amount Up to $28
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 750
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.75% - 18%
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $20,000
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 9.75% - 18%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Variable APR) 9.75% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Visa

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