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  Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card

Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card

in Personal Credit Cards from Michigan Schools and Government Credit Union

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Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card

Unaffiliated

in Personal Credit Cards from Michigan Schools and Government Credit Union

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Highlights
Purchase APR  (Variable APR) 9.250 - 17.00
Balance Transfer APR  (Variable APR) 9.250 - 17.00
Credit Score Range 650 - 850
Annual Fee $0

Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card Review

This is a cashback credit card issued by Michigan Schools and Government Credit Union. If you're wondering whether Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card 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
  • Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card has a variable purchase APR that ranges from 9.250% up to 17.00%.
  • 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 odds if your credit score is above 650.
Pros & Cons of Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card is accepted.
  • Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card FAQ

Does Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card 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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 5000
Signup Bonus Spend Period (months) 2 months

Does Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card?

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 9.250% up to 17.00%. The card has a variable balance transfer APR that ranges from 9.250% up to 17.00%. It also has a variable cash advance APR that ranges from 9.250% up to 17.00%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card have an intro APR offer on balance transfers?

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

Does Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card 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 Schools and Government Credit Union MSGCU Rewards Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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

Does Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card have a foreign transaction fee?

Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card 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 Schools and Government Credit Union MSGCU Rewards Visa Credit Card?

The Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card customer service number is (866) 674-2848.

What is the support contact email for Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card?

The support contact email for Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card is service@msgcu.org.

Does Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card 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 Schools and Government Credit Union MSGCU Rewards Visa Credit Card

  • Visit the Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card 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 6:00am - 2:00am
  • Tuesday 6:00am - 2:00am
  • Wednesday 6:00am - 2:00am
  • Thursday 6:00am - 3:00am
  • Friday 6:00am - 3:00am
  • Saturday 6:00am - 10:00am

About Michigan Schools and Government Credit Union MSGCU Rewards Visa Credit Card

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View all personal credit cards offered by Michigan Schools and Government 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

Cash Advance Fee Minimum 0
Cash Advance Fee (%) 0
Minimum Cash Advance Fee ($) 0
No Annual Fee
Annual Fee $0
Minimum Interest Charge 0
Over-Limit Fee 0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1
Returned Payment Fee Up to 25
Paper Statement Fee 2
Late Fee Amount Up to 25
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
  • Fraud Liability
Rewards Categories
  • Every Purchase
Signup Bonus (points) 5,000
Cash Advance APR (Variable APR) 9.250 - 17.00
Balance Computation Average daily balance (including new purchases)
Credit Limit 5,000 - 40,000
Penalty APR (Variable APR) 0
Purchase APR (Variable APR) 9.250 - 17.00
Balance Transfer Fee % After Intro Period 0
Balance Transfer APR (Variable APR) 9.250 - 17.00
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Rewards
  • Cashback
Card Network Visa

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