Mountain America Credit Union Visa Cash Back
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| Purchase APR (Variable APR) | Starting at 17.9 |
| Balance Transfer APR (Variable APR) | 12.49 - 18.0 |
| Credit Score Range | 650 - 850 |
| Annual Fee | N/A |
Mountain America Credit Union Visa Cash Back Review
This is a cashback card issued by Mountain America Credit Union. If you're wondering whether Mountain America Credit Union Visa Cash Back is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 17.9%
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Mountain America Credit Union Visa Cash Back
| The Good | The Bad |
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Mountain America Credit Union Visa Cash Back FAQ
Does Mountain America Credit Union Visa Cash Back 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 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.
What are the Mountain America Credit Union Visa Cash Back benefits?
It provides the following benefits:
- Free Credit Report
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Mountain America Credit Union Visa Cash Back?
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 higher than average regular APRs.Mountain America Credit Union Visa Cash Back has a variable purchase APR starting at 17.9% . The card has a variable balance transfer APR that ranges from 12.49% up to 18.0%. It also has a variable cash advance APR of 0% .
Does Mountain America Credit Union Visa Cash Back have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Mountain America Credit Union Visa Cash Back 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 Mountain America Credit Union Visa Cash Back?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Late Payment Fee | up to $25 |
Does Mountain America Credit Union Visa Cash Back have a foreign transaction fee?
Mountain America Credit Union Visa Cash Back 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 Mountain America Credit Union Visa Cash Back?
The Mountain America Credit Union Visa Cash Back customer service number is (800) 748-4302.
What is the support contact email for Mountain America Credit Union Visa Cash Back?
The support contact email for Mountain America Credit Union Visa Cash Back is macumail@macu.com.
What is the Mountain America Credit Union Visa Cash Back login page?
You can access the Mountain America Credit Union Visa Cash Back login page here.
How do people rate the customer service and user experience of Mountain America Credit Union Visa Cash Back?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Mountain America Credit Union Visa Cash Back report your account activity to credit bureaus?
Yes, Mountain America Credit Union Visa Cash Back 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 Mountain America Credit Union Visa Cash Back
- Visit the Mountain America Credit Union Visa Cash Back 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.
Contact
- Headquarters
-
7181 S Campus View Dr
West Jordan, UT 84084 USA - (800) 748-4302
- Visit Site
- Email Support
Other Services by Mountain America Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | 0 |
| Cash Advance Fee (%) | 0 |
| Minimum Cash Advance Fee ($) | 0 |
| Foreign Currency Transaction Fee | 1 |
| Minimum Interest Charge | 0 |
| Over-Limit Fee | 0 |
| No Interest Grace Period for Late Payment | 25 days |
| Late Fee Amount | Up to 25 |
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