Last Updated: 07/28/2025
Metro Credit Union Visa Elite
Unaffiliated
in Credit Cards from Metro Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.9% - 17.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.9% - 18%(Verified 06/21/2024)
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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.
Key Takeaways
- APRs: Metro Credit Union Visa Elite has a variable regular 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 up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Metro Credit Union Visa Elite
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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.
| Description |
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?
Metro Credit Union Visa Elite 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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.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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Metro Credit Union Visa Elite is (877) 696-3876.
What is the support contact email for Metro Credit Union Visa Elite?
The support contact email for Metro Credit Union Visa Elite is socialmedia@metrocu.org.
How do people rate the customer service and user experience of Metro Credit Union Visa Elite?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Metro Credit Union Visa Elite report your account activity to credit bureaus?
Yes, Metro Credit Union Visa Elite reports to the following credit bureaus:
- 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 build your credit.
Does Metro Credit Union perform a hard credit pull?
Yes, Metro Credit Union Visa Elite performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Metro Credit Union Visa Elite
- Visit the website of Metro Credit Union Visa Elite.
- 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.
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Contact
Headquarters
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