Navigant Credit Union College Real Rewards Card
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| Purchase APR (Variable APR) |
19.24% - 29.24% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
19.24% - 29.24% (Verified 08/04/2023) |
| Credit Score Range | 670 - 850 |
| Annual Fee | $0 |
Navigant Credit Union College Real Rewards Card Review
This is a rewards card issued by Navigant Credit Union. If you're wondering whether Navigant Credit Union Rewards 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 6 months , which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.24% up to 29.24%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Navigant Credit Union College Real Rewards 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Navigant Credit Union Rewards Card
| The Good | The Bad |
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Navigant Credit Union Rewards Card FAQ
Does Navigant Credit Union Rewards Card have a cash back or rewards program?
Navigant Credit Union Rewards Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Navigant Credit Union Rewards Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Navigant Credit Union Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Navigant Credit Union Rewards Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for Navigant Credit Union Rewards 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 higher than average regular APRs.Navigant Credit Union College Real Rewards Card has a variable purchase APR that ranges from 19.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 19.24% up to 29.24%. It also has a variable cash advance APR of 29.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Navigant Credit Union Rewards 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 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 19.24% - 29.24% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Navigant Credit Union Rewards Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Navigant Credit Union Rewards Card?
The following fees apply:
| Description | |
|---|---|
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee? | |
| No Foreign Transaction Fee? | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Navigant Credit Union Rewards Card have a foreign transaction fee?
Navigant Credit Union Rewards Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Navigant Credit Union Rewards Card?
The Navigant Credit Union Rewards Card customer service number is (401) 233-4700.
What is the support contact email for Navigant Credit Union Rewards Card?
The support contact email for Navigant Credit Union Rewards Card is info@navigantcu.org.
What is the Navigant Credit Union Rewards Card login page?
You can access the Navigant Credit Union Rewards Card login page here.
How do people rate the customer service and user experience of Navigant Credit Union Rewards Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
How to apply for Navigant Credit Union Rewards Card
- Visit the Navigant Credit Union Rewards 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.
Contact
- Headquarters
-
1005 Douglas Pike
Smithfield, RI 02917 - (401) 233-4700
- Visit Site
- Email Support
Other Services by Navigant Credit Union
Other Credit Cards by Navigant 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
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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