
Meritrust Credit Union Visa Member Select
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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 |
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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.
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.
Contact
- Headquarters
-
151 N Main St, Wichita, Kansas 67202, US
Wichita, KS 67202 USA - (316) 683-1423
- Visit Site
- Email Support
Other Services by Meritrust Credit Union
Availability
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 |
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