Last Updated: 07/28/2025
Monterra Credit Union Student Visa® Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.99% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.99% - 18.00%(Verified 06/21/2024)
Credit Score Range
580 - 850
Annual Fee
$0
Monterra Credit Union Student Visa® Card Review
This is a card issued by Monterra Credit Union. If you're wondering whether Monterra Credit Union Student Visa® Card is the right card for you, read on.
Key Takeaways
- APRs: Monterra Credit Union Student Visa® Card has a variable regular purchase APR that ranges from 14.99% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Monterra Credit Union Student Visa® Card
| The Good | The Bad |
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Monterra Credit Union Student Visa® Card FAQ
Does Monterra Credit Union Student Visa® Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Monterra Credit Union Student Visa® 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.Monterra Credit Union Student Visa® Card has a variable purchase APR that ranges from 14.99% up to 18.00%. The card has a variable balance transfer APR that ranges from 14.99% up to 18.00%. It also has a variable cash advance APR that ranges from 14.99% up to 18.00%.
Does Monterra Credit Union Student Visa® Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.99% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Monterra Credit Union Student Visa® Card 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 Monterra Credit Union Student Visa® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Monterra Credit Union Student Visa® Card?
The customer service number for Monterra Credit Union Student Visa® Card is (888) 363-1725.
What is the support contact email for Monterra Credit Union Student Visa® Card?
The support contact email for Monterra Credit Union Student Visa® Card is communityrelations@smcu.org.
How do people rate the customer service and user experience of Monterra Credit Union Student Visa® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Monterra Credit Union Student Visa® Card report your account activity to credit bureaus?
Yes, Monterra Credit Union Student Visa® 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 Monterra Credit Union perform a hard credit pull?
Yes, Monterra Credit Union Student Visa® 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 Monterra Credit Union Student Visa® Card
- Visit the website of Monterra Credit Union Student Visa® 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.
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 2:00PM
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Other Credit Cards from Monterra Credit Union
Rating not yet determined
Purchase APR
13.99% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 18.00%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 18.00%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 18.00%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.99% - 17.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 17.99%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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Monterra Credit Union Student Visa® Card Community Reviews
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