Michigan Educational Credit Union Visa Signature Reward
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| Purchase APR (Variable APR) | 8.75% - 16.75% |
| Balance Transfer APR (Variable APR) | 8.75% - 16.75% |
| Credit Score Range | 680 - 850 |
| Annual Fee | $0 |
Michigan Educational Credit Union Visa Signature Reward Review
This is a rewards credit card issued by Michigan Educational Credit Union. If you're wondering whether Michigan Educational Credit Union Visa Signature Reward is the right card for you, read on.
Key Takeaways
- Competitive APRs. Michigan Educational Credit Union Visa Signature Reward has a variable purchase APR that ranges from 8.75% up to 16.75%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, extended warranty protection on purchases, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Michigan Educational Credit Union Visa Signature Reward
| The Good | The Bad |
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Michigan Educational Credit Union Visa Signature Reward FAQ
Does Michigan Educational Credit Union Visa Signature Reward have a cash back or rewards program?
Michigan Educational Credit Union Visa Signature Reward is a rewards card.
| Minimum rewards rate | 1.25x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Michigan Educational Credit Union Visa Signature Reward have a signup bonus?
This card doesn't offer a cash signup bonus.Does Michigan Educational Credit Union Visa Signature Reward offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Michigan Educational Credit Union Visa Signature Reward benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Michigan Educational Credit Union Visa Signature Reward?
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.Michigan Educational Credit Union Visa Signature Reward has a variable purchase APR that ranges from 8.75% up to 16.75%. The card has a variable balance transfer APR that ranges from 8.75% up to 16.75%. It also has a variable cash advance APR that ranges from 8.75% up to 16.75%.
Does Michigan Educational Credit Union Visa Signature Reward have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Michigan Educational Credit Union Visa Signature Reward 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 Michigan Educational Credit Union Visa Signature Reward?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Late Payment Fee | up to $20 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Michigan Educational Credit Union Visa Signature Reward have a foreign transaction fee?
Michigan Educational Credit Union Visa Signature Reward 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 Michigan Educational Credit Union Visa Signature Reward?
The Michigan Educational Credit Union Visa Signature Reward customer service number is (734) 455-9200.
What is the support contact email for Michigan Educational Credit Union Visa Signature Reward?
The support contact email for Michigan Educational Credit Union Visa Signature Reward is general@michedcu.org.
What is the Michigan Educational Credit Union Visa Signature Reward login page?
You can access the Michigan Educational Credit Union Visa Signature Reward login page here.
How do people rate the customer service and user experience of Michigan Educational Credit Union Visa Signature Reward?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Michigan Educational Credit Union Visa Signature Reward report your account activity to credit bureaus?
Yes, Michigan Educational Credit Union Visa Signature Reward 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 Michigan Educational Credit Union Visa Signature Reward
- Visit the Michigan Educational Credit Union Visa Signature Reward 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
-
9200 Haggerty Rd. Plymouth, MI 48170
Plymouth, MI 48170 USA - (734) 455-9200
- Visit Site
- Email Support
About Michigan Educational Credit Union Visa Signature Reward
Availability
- 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
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | 0% |
| Minimum Cash Advance Fee ($) | $0 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Paper Statement Fee | $2 |
| Late Fee Amount | Up to $20 |
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