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  Mountain America Credit Union Visa Low Rate

Mountain America Credit Union Visa Low Rate

in Personal Credit Cards from Mountain America Credit Union

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Mountain America Credit Union Visa Low Rate

Unaffiliated

in Personal Credit Cards from Mountain America Credit Union

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Highlights
Purchase APR  (Variable APR) 7.99 - 10.9
Balance Transfer APR  (Variable APR) 7.99 - 18.00
Credit Score Range 670 - 750
Annual Fee $0

Mountain America Credit Union Visa Low Rate Review

This is a credit card issued by Mountain America Credit Union. If you're wondering whether Mountain America Credit Union Visa Low Rate 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
  • Competitive APRs. Mountain America Credit Union Visa Low Rate has a variable purchase APR that ranges from 7.99% up to 10.9%.
  • 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.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Mountain America Credit Union Visa Low Rate
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Mountain America Credit Union Visa Low Rate reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Mountain America Credit Union Visa Low Rate FAQ

Does Mountain America Credit Union Visa Low Rate have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Mountain America Credit Union Visa Low Rate 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 Low Rate?

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 lower than average regular APRs.

It has a variable purchase APR that ranges from 7.99% up to 10.9%. The card has a variable balance transfer APR that ranges from 7.99% up to 18.00%. It also has a variable cash advance APR starting at 17.99% .

Does Mountain America Credit Union Visa Low Rate 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 Low Rate 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 Low Rate?

The following fees apply:

  • There is no overlimit fee
Mountain America Credit Union Visa Low Rate Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Mountain America Credit Union Visa Low Rate have a foreign transaction fee?

Mountain America Credit Union Visa Low Rate 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 Low Rate?

The Mountain America Credit Union Visa Low Rate customer service number is (800) 748-4302.

What is the support contact email for Mountain America Credit Union Visa Low Rate?

The support contact email for Mountain America Credit Union Visa Low Rate is macumail@macu.com.

Does Mountain America Credit Union Visa Low Rate report your account activity to credit bureaus?

Yes, Mountain America Credit Union Visa Low Rate 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 Low Rate

  • Visit the Mountain America Credit Union Visa Low Rate 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.

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
No Annual Fee
Annual 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 670 - 750
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Cellular Telephone Protection
  • Free Credit Report
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 17.99
Balance Computation Average daily balance (including new purchases)
Credit Limit 300 - 30,000
Purchase APR (Variable APR) 7.99 - 10.9
Balance Transfer Fee % After Intro Period 0
Balance Transfer APR (Variable APR) 7.99 - 18.00
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Low Interest
Card Network Visa

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