Last Updated: 07/28/2025
Michigan State University FCU Visa Signature
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.9% - 17.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.9% - 17.9%(Verified 06/21/2024)
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Credit Score Range
680 - 850
Annual Fee
$0 - $99
Michigan State University FCU Visa Signature Review
This is a cashback credit card issued by Michigan State University FCU. If you're wondering whether Michigan State University FCU Visa Signature is the right card for you, read on.
Key Takeaways
- APRs: Michigan State University FCU Visa Signature has a variable regular purchase APR that ranges from 14.9% up to 17.9%.
- Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $99 for the privilege.
- $0 intro annual fee for the first year. Michigan State University FCU Visa Signature gives you the chance to have the card for a year without paying the $0 annual fee.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Michigan State University FCU Visa Signature
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Michigan State University FCU Visa Signature FAQ
Does Michigan State University FCU Visa Signature have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Michigan State University FCU Visa Signature?
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.Michigan State University FCU Visa Signature has a variable purchase APR that ranges from 14.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 14.9% up to 17.9%. It also has a variable cash advance APR that ranges from 14.9% up to 17.9%.
Note that late payments are subject to an APR of 17.9% 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 Michigan State University FCU Visa Signature have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Michigan State University FCU Visa Signature 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 State University FCU Visa Signature?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 - $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $99.
There is a late fee of up to $25 . Does Michigan State University FCU Visa Signature have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Michigan State University FCU Visa Signature?
The customer service number for Michigan State University FCU Visa Signature is (517) 333-2424.
What is the support contact email for Michigan State University FCU Visa Signature?
The support contact email for Michigan State University FCU Visa Signature is eservices@msufcu.org.
What is the login page for Michigan State University FCU Visa Signature?
You can access the login page of Michigan State University FCU Visa Signature here.
How do people rate the customer service and user experience of Michigan State University FCU Visa Signature?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Michigan State University FCU Visa Signature report your account activity to credit bureaus?
Yes, Michigan State University FCU Visa Signature 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 Michigan State University FCU perform a hard credit pull?
Yes, Michigan State University FCU Visa Signature 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 Michigan State University FCU Visa Signature
- Visit the website of Michigan State University FCU Visa Signature.
- 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
MSUFCU Headquarters
3777 West Road East Lansing, MI 48823
East Lansing, MI 48823
Hours of Operation
Sunday
Closed
Monday
6:00AM - 2:00AM
Tuesday
6:00AM - 2:00AM
Wednesday
6:00AM - 2:00AM
Thursday
6:00AM - 2:00AM
Friday
6:00AM - 3:00AM
Saturday
6:00AM - 12:00PM