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  Mountain America Credit Union Visa Cash Back

Mountain America Credit Union Visa Cash Back

in Personal Credit Cards from Mountain America Credit Union

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Mountain America Credit Union Visa Cash Back

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in Personal Credit Cards from Mountain America Credit Union

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

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 oods if your credit score is above650.
Pros & Cons of Mountain America Credit Union Visa Cash Back
The Good The Bad
  • Mountain America Credit Union Visa Cash Back reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
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.
  • 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. It has higher than average regular APRs.

It 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
Mountain America Credit Union Visa Cash Back Fees
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.

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.

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.

Contact

  • Headquarters
  •   7181 S Campus View Dr
    West Jordan, UT 84084
  •   Visit Site

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

Other Services by Mountain America Credit Union

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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

Cash Advance Fee Minimum 0
Cash Advance Fee (%) 0
Minimum Cash Advance Fee ($) 0
Minimum Interest Charge 0
Over-Limit Fee 0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1
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
  • Cellular Telephone Protection
  • Free Credit Report
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 0
Balance Computation Average Daily Balance (including new purchases)
Credit Limit Up to 15,000
Purchase APR (Variable APR) Starting at 17.9
Balance Transfer Fee % After Intro Period 0
Balance Transfer APR (Variable APR) 12.49 - 18.0
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Cashback
Card Network Visa

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