Metro Credit Union Visa Elite

Metro Credit Union Visa Elite Review

This is a cashback card issued by Metro Credit Union. If you're wondering whether Metro Credit Union Visa Elite is the right card for you, read on.

Key Takeaways

• Competitive APRs. Metro Credit Union Visa Elite has a variable purchase APR that ranges from 9.9% up to 17.9%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Metro Credit Union Visa Elite

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere Metro Credit Union Visa Elite is accepted. Metro Credit Union Visa Elite reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Does not include many credit card benefits.

Metro Credit Union Visa Elite FAQ

Does Metro Credit Union Visa Elite have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Metro Credit Union Visa Elite Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Metro Credit Union Visa Elite benefits?

It provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for Metro Credit Union Visa Elite?

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.

Metro Credit Union Visa Elite has a variable purchase APR that ranges from 9.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 12.9% up to 18%. It also has a variable cash advance APR that ranges from 12.9% 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.

What are the fees for Metro Credit Union Visa Elite?

The following fees apply:

Metro Credit Union Visa Elite Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $10

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

Does Metro Credit Union Visa Elite report your account activity to credit bureaus?

Yes, Metro Credit Union Visa Elite 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 Metro Credit Union Visa Elite

• Visit the Metro Credit Union Visa Elite 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.