Last Updated: 07/28/2025
Mountain America Credit Union Visa Cash Back
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 17.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.49% - 18.0%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
N/A
Mountain America Credit Union Visa Cash Back Review
This is a cashback credit 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
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 17.9%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% 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 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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
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 up to 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 customer service number for Mountain America Credit Union Visa Cash Back 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 login page for Mountain America Credit Union Visa Cash Back?
You can access the login page of Mountain America Credit Union Visa Cash Back 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 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 Mountain America Credit Union perform a hard credit pull?
Yes, Mountain America Credit Union Visa Cash Back 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 Mountain America Credit Union Visa Cash Back
- Visit the website of Mountain America Credit Union Visa Cash Back.
- 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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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
Closed