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  Michigan State University FCU Visa Signature
Michigan State University FCU Visa Signature Unaffiliated

Michigan State University FCU Visa Signature

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Highlights
Purchase APR  (Variable APR) 14.9% - 17.9%
Balance Transfer APR  (Variable APR) 14.9% - 17.9%
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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Competitive APRs. Michigan State University FCU Visa Signature has a variable 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.
  • Annual fee waived 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 rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, 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 State University FCU Visa Signature

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Michigan State University FCU Visa Signature reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.

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. 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.

What are the Michigan State University FCU Visa Signature benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

The following fees apply:

Michigan State University FCU Visa Signature Fees
Fees Amount
Annual Fee Starting at $0 up to $99
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee $0 - $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 Michigan State University FCU Visa Signature customer service number 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 Michigan State University FCU Visa Signature login page?

You can access the Michigan State University FCU Visa Signature login page 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 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 State University FCU Visa Signature

  • Visit the Michigan State University FCU Visa Signature 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 - 2:00am
  • Friday 6:00am - 3:00am
  • Saturday 6:00am - 12:00pm

Other Services by Michigan State University FCU

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View all credit cards offered by Michigan State University FCU

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

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Annual Fee $0 - $99
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount $0 - $25
Customer Type Personal
Minimum Age 18
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 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Travel
  • Education
  • Gas
  • Every Purchase
Signup Bonus Up to $100
Cash Advance APR (Variable APR) 14.9% - 17.9%
Balance Computation Average Daily Balance
Penalty APR (Variable APR) 17.9%
Purchase APR (Variable APR) 14.9% - 17.9%
Balance Transfer APR (Variable APR) 14.9% - 17.9%
Card Type
  • Low Interest
  • Cashback
Card Network Visa

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