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  Metro Credit Union Visa Elite

Metro Credit Union Visa Elite

in Personal Credit Cards from Metro Credit Union

Unaffiliated

Metro Credit Union Visa Elite

Unaffiliated

in Personal Credit Cards from Metro Credit Union

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Highlights
Purchase APR  (Variable APR) 9.9% - 17.9%
Balance Transfer APR  (Variable APR) 12.9% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Metro Credit Union Visa Elite Review

This is a cashback credit card issued by Metro Credit Union. If you're wondering whether Metro Credit Union Visa Elite 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
  • 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 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 oods if your credit score is above650.
Pros & Cons of Metro Credit Union Visa Elite
The Good The Bad
  • 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

Does Metro Credit Union Visa Elite have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Metro Credit Union Visa Elite offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It 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.

Does Metro Credit Union Visa Elite have an intro APR offer on balance transfers?

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

Does Metro Credit Union Visa Elite 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 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 have a foreign transaction fee?

Metro Credit Union Visa Elite charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Metro Credit Union Visa Elite?

The Metro Credit Union Visa Elite customer service number is (877) 696-3876.

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.

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 5:00am - 2:00am
  • Tuesday 5:00am - 2:00am
  • Wednesday 5:00am - 2:00am
  • Thursday 5:00am - 3:00am
  • Friday 5:00am - 3:00am
  • Saturday 5:00am - 10:00am

About Metro Credit Union Visa Elite

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View all personal credit cards offered by Metro Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $0.95
Minimum Cash Advance Fee ($) Starting at $0.95
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $10
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
Credit Card Benefits Identity Theft Protection
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 12.9% - 18%
Balance Computation Average Daily Balance(including new purchases)
Credit Limit $2 - $25,000
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 9.9% - 17.9%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Variable APR) 12.9% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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