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  Meritrust Credit Union Visa Member Select
Meritrust Credit Union Visa Member Select Unaffiliated

Meritrust Credit Union Visa Member Select

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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

This is a 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.

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.

Pros & Cons of Meritrust Credit Union Visa Member Select

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Meritrust Credit Union Visa Member Select reports to multiple credit bureaus.
  • You need good credit to qualify.
  • 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

Does Meritrust Credit Union Visa Member Select have a cash back or rewards program?

No, it 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

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

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

  • 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Meritrust Credit Union Visa Member Select?

The Meritrust Credit Union Visa Member Select customer service number is (316) 683-1423.

What is the support contact email for Meritrust Credit Union Visa Member Select?

The support contact email for Meritrust Credit Union Visa Member Select is memberservices@meritrustcu.org.

What is the Meritrust Credit Union Visa Member Select login page?

You can access the Meritrust Credit Union Visa Member Select login page here.

How do people rate the customer service and user experience of Meritrust Credit Union Visa Member Select?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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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View all credit cards offered by Meritrust Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Cash Advance Fee Minimum $8
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) $8 - $35
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $28
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $28
Late Fee Amount Up to $28
Customer Type Personal
Minimum Age 18
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%
APR Type Variable APR
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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Meritrust Credit Union Credit Cards

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