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  Municipal CU Cash Back Visa Credit Card
Municipal CU Cash Back Visa Credit Card
in Credit Cards from Municipal Credit Union
Unaffiliated

Municipal CU Cash Back Visa Credit Card

Unaffiliated
in Credit Cards from Municipal Credit Union
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Highlights
Purchase APR  (Variable APR) 13.15% - 17.65%
(Verified 01/27/2023)
Balance Transfer APR  (Variable APR) 13.15% - 17.65%
(Verified 01/27/2023)
Credit Score Range 650 - 850
Annual Fee $0

Municipal CU Cash Back Visa Credit Card Review

This is a cashback card issued by Municipal Credit Union. If you're wondering whether Municipal CU Cash Back Visa Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Municipal CU Cash Back Visa Credit Card has a variable purchase APR that ranges from 13.15% up to 17.65%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Municipal CU Cash Back Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $2.
  • 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 Municipal CU Cash Back Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 13.15% up to 17.65%.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Municipal CU Cash Back Visa Credit Card is accepted.
  • Municipal CU Cash Back Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

Municipal CU Cash Back Visa Credit Card FAQ

Does Municipal CU Cash Back Visa Credit Card have a cash back or 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.

Municipal CU Cash Back Visa Credit Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Municipal CU Cash Back Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Municipal CU Cash Back Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Municipal CU Cash Back Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Municipal CU Cash Back Visa Credit Card?

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 lower than average regular APRs.

Municipal CU Cash Back Visa Credit Card has a variable purchase APR that ranges from 13.15% up to 17.65%. The card has a variable balance transfer APR that ranges from 13.15% up to 17.65%. It also has a variable cash advance APR of 17.9% .

Does Municipal CU Cash Back Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Municipal CU Cash Back Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 13.15% - 17.65%
Balance Transfer Fee Minimum $2
Balance Transfer Fee % 3%

Does Municipal CU Cash Back Visa Credit Card have an intro APR offer on new purchases?

Municipal CU Cash Back Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Municipal CU Cash Back Visa Credit Card?

The following fees apply:

Municipal CU Cash Back Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $20
Late Payment Fee up to $30

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

Does Municipal CU Cash Back Visa Credit Card have a foreign transaction fee?

Municipal CU Cash Back Visa Credit Card 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 Municipal CU Cash Back Visa Credit Card?

The Municipal CU Cash Back Visa Credit Card customer service number is (800) 323-6713.

What is the support contact email for Municipal CU Cash Back Visa Credit Card?

The support contact email for Municipal CU Cash Back Visa Credit Card is mediainquiries@nymcu.org.

What is the Municipal CU Cash Back Visa Credit Card login page?

You can access the Municipal CU Cash Back Visa Credit Card login page here.

How do people rate the customer service and user experience of Municipal CU Cash Back Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Municipal CU Cash Back Visa Credit Card report your account activity to credit bureaus?

Yes, Municipal CU Cash Back Visa Credit Card 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 Municipal CU Cash Back Visa Credit Card

  • Visit the Municipal CU Cash Back Visa Credit Card 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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 3:00pm
  • Tuesday 9:00am - 3:00pm
  • Wednesday 9:00am - 3:00pm
  • Thursday 9:00am - 3:00pm
  • Friday 9:00am - 3:00pm
  • Saturday Closed

About Municipal CU Cash Back Visa Credit Card

Icon for Credit Cards
View all credit cards offered by Municipal Credit Union
View Municipal Credit Union Profile

Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $2
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $2
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.50
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $20
Late Fee Amount Up to $30
Customer Type Personal
Minimum Age 18
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
  • Fraud Liability
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 17.9%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 13.15% - 17.65%
(Verified 01/27/2023)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13.15% - 17.65%
(Verified 01/27/2023)
Balance Transfer Fee Minimum $2
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

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