Last Updated: 07/28/2025
MIT Federal Credit Union Visa Signature Real Rewards Card
Unaffiliated
in Credit Cards from MIT Federal Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.49% - 23.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.49% - 23.49%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
MIT Federal Credit Union Visa Signature Real Rewards Card Review
This is a cashback credit card issued by MIT Federal Credit Union. If you're wondering whether MIT Federal Credit Union Visa Signature Real Rewards Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
- APRs: MIT Federal Credit Union Visa Signature Real Rewards Card has a variable regular purchase APR that ranges from 14.49% up to 23.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. MIT Federal Credit Union Visa Signature Real Rewards Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of MIT Federal Credit Union Visa Signature Real Rewards Card
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MIT Federal Credit Union Visa Signature Real Rewards Card FAQ
Does MIT Federal Credit Union Visa Signature Real Rewards 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.
| Description |
Does MIT Federal Credit Union Visa Signature Real Rewards Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does MIT Federal Credit Union Visa Signature Real Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the MIT Federal Credit Union Visa Signature Real Rewards Card benefits?
MIT Federal Credit Union Visa Signature Real Rewards Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for MIT Federal Credit Union Visa Signature Real Rewards Card?
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.MIT Federal Credit Union Visa Signature Real Rewards Card has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR starting at 25.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does MIT Federal Credit Union Visa Signature Real Rewards Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.49% - 23.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does MIT Federal Credit Union Visa Signature Real Rewards Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases
What are the fees for MIT Federal Credit Union Visa Signature Real Rewards Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does MIT Federal Credit Union Visa Signature Real Rewards Card have a foreign transaction fee?
MIT Federal Credit Union Visa Signature Real Rewards Card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 MIT Federal Credit Union Visa Signature Real Rewards Card?
The customer service number for MIT Federal Credit Union Visa Signature Real Rewards Card is (617) 715-4703.
What is the support contact email for MIT Federal Credit Union Visa Signature Real Rewards Card?
The support contact email for MIT Federal Credit Union Visa Signature Real Rewards Card is info@mitfcu.mit.edu.
What is the login page for MIT Federal Credit Union Visa Signature Real Rewards Card?
You can access the login page of MIT Federal Credit Union Visa Signature Real Rewards Card here.
How do people rate the customer service and user experience of MIT Federal Credit Union Visa Signature Real Rewards Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MIT Federal Credit Union Visa Signature Real Rewards Card report your account activity to credit bureaus?
Yes, MIT Federal Credit Union Visa Signature Real Rewards Card 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 MIT Federal Credit Union perform a hard credit pull?
Yes, MIT Federal Credit Union Visa Signature Real Rewards Card 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 MIT Federal Credit Union Visa Signature Real Rewards Card
- Visit the website of MIT Federal Credit Union Visa Signature Real Rewards Card.
- 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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