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  Meritrust Credit Union Visa Meritrust Rewards

Meritrust Credit Union Visa Meritrust Rewards

in Personal Credit Cards from Meritrust Credit Union

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Meritrust Credit Union Visa Meritrust Rewards

Unaffiliated

in Personal Credit Cards from Meritrust Credit Union

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Highlights
Purchase APR  (Fixed APR) Starting at 16.24%
Balance Transfer APR  (Fixed APR) Starting at 16.24%
Credit Score Range 650 - 850
Annual Fee $0

Meritrust Credit Union Visa Meritrust Rewards Review

This is a rewards credit card issued by Meritrust Credit Union. If you're wondering whether Meritrust Credit Union Visa Meritrust Rewards 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
  • 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.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Meritrust Credit Union Visa Meritrust Rewards
The Good The Bad
  • No annual fee.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Meritrust Credit Union Visa Meritrust Rewards is accepted.
  • Meritrust Credit Union Visa Meritrust Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Meritrust Credit Union Visa Meritrust Rewards FAQ

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

Meritrust Credit Union Visa Meritrust Rewards is a rewards card.

Meritrust Credit Union Visa Meritrust Rewards Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Meritrust Credit Union Visa Meritrust Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Meritrust Credit Union Visa Meritrust Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Meritrust Credit Union Visa Meritrust Rewards?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

It has a fixed purchase APR starting at 16.24% . The card has a fixed balance transfer APR starting at 16.24% . It also has a fixed cash advance APR starting at 16.24% . 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 Meritrust Rewards 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 Meritrust Rewards 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 Meritrust Rewards?

The following fees apply:

  • An overlimit fee of $28.
Meritrust Credit Union Visa Meritrust Rewards 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 rewards card.

Does Meritrust Credit Union Visa Meritrust Rewards 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 Meritrust Rewards?

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

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

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

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

Yes, Meritrust Credit Union Visa Meritrust Rewards 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 Meritrust Rewards

  • Visit the Meritrust Credit Union Visa Meritrust Rewards 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 personal credit cards offered by Meritrust Credit Union

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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) Starting at 16.24%
Balance Computation Average daily balance (including new purchases).
Credit Limit $500 - $30,000
Penalty APR (Fixed APR) 18%
Purchase APR (Fixed APR) Starting at 16.24%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Fixed APR) Starting at 16.24%
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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