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  Midflorida Credit Union Visa Signature Card

Midflorida Credit Union Visa Signature Card

in Personal Credit Cards from Midflorida Credit Union

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Midflorida Credit Union Visa Signature Card

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in Personal Credit Cards from Midflorida Credit Union

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Highlights
Purchase APR  (Variable APR) 11.74% - 18%
Balance Transfer APR  (Variable APR) 11.74% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Midflorida Credit Union Visa Signature Card Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

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
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere Midflorida Credit Union Visa Signature Card is accepted.
  • Midflorida Credit Union Visa Signature Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
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.

Midflorida Credit Union Visa Signature Card Rewards
Minimum rewards rate 2.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $100
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months

Does Midflorida Credit Union Visa Signature Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Midflorida Credit Union Visa Signature Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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?

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 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.

Does Midflorida Credit Union Visa Signature Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 3.99% for a period of up to 24 months.

Midflorida Credit Union Visa Signature Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period 24 months
Balance Transfer APR 11.74% - 18%
Balance Transfer Fee Minimum $20
Balance Transfer Fee % 2%

Does Midflorida Credit Union Visa Signature Card have an intro APR offer on new purchases?

Midflorida Credit Union Visa Signature Card Purchase Intro Offer
Description
Introductory Rate 11.74%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 11.74% on qualified purchases for a period of up to 12 months.

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

The following fees apply:

  • There is no overlimit fee
Midflorida Credit Union Visa Signature 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 rewards card.

Does Midflorida Credit Union Visa Signature Card have a foreign transaction fee?

Midflorida Credit Union Visa Signature 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 Midflorida Credit Union Visa Signature Card?

The Midflorida Credit Union Visa Signature Card customer service number is (866) 913-3733.

What is the support contact email for Midflorida Credit Union Visa Signature Card?

The support contact email for Midflorida Credit Union Visa Signature Card is midfloridacreditunionamp@livenation.com.

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.

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.

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

Introductory Rate 11.74%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $20
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $20
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
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
  • Extended Warranty Protection
  • Price Protection
  • Trip Cancellation Insurance
  • Cellular Telephone Protection
  • Concierge
Rewards Rates
  • Every Purchase
Signup Bonus Up to $100
Cash Advance APR (Variable APR) 11.74% - 18%
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 17.99%
Purchase APR (Variable APR) 11.74% - 18%
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 24 months
Balance Transfer APR (Variable APR) 11.74% - 18%
Balance Transfer Fee Minimum $20
Balance Transfer Fee % 2%
Card Type
  • Rewards
Card Network Visa

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