Midflorida Credit Union Visa Signature Card

Midflorida Credit Union Visa Signature Card Review

This is a rewards card issued by Midflorida Credit Union. If you're wondering whether Midflorida Credit Union Visa Signature Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Midflorida Credit Union Visa Signature Card has a variable purchase APR that ranges from 11.74% up to 18%.
• 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.
• 2% Balance transfer fee. Midflorida Credit Union Visa Signature Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $20.
• 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 access to a concierge, extended warranty protection on purchases, price protection, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Midflorida Credit Union Visa Signature Card

Midflorida Credit Union Visa Signature Card FAQ

Does Midflorida Credit Union Visa Signature Card have a cash back or rewards program?

Midflorida Credit Union Visa Signature Card is a rewards card.

What are the Midflorida Credit Union Visa Signature Card benefits?

It provides the following benefits:

• Extended Warranty Protection
• Trip Cancellation Insurance
• Price Protection
• Cell Phone Protection
• Reports to major credit bureaus

What are the relevant APRs for Midflorida Credit Union Visa Signature Card?

Midflorida Credit Union Visa Signature Card has a variable purchase APR that ranges from 11.74% up to 18%. The card has a variable balance transfer APR that ranges from 11.74% up to 18%. It also has a variable cash advance APR that ranges from 11.74% up to 18%. Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Midflorida Credit Union Visa Signature Card?

The following fees apply:

• There is no overlimit fee

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

Does Midflorida Credit Union Visa Signature Card report your account activity to credit bureaus?

Yes, Midflorida Credit Union Visa Signature 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 Midflorida Credit Union Visa Signature Card

• Visit the Midflorida Credit Union Visa Signature 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.