Navigant Credit Union Max Cash Preferred 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 | 690 - 850 |
| Annual Fee | $0 |
Navigant Credit Union Max Cash Preferred Card Review
This is a cashback card issued by Navigant Credit Union. If you're wondering whether Navigant Credit Union Preferred 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.
- 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 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. Navigant Credit Union Max Cash Preferred 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.
- Good or better credit required. You will have low approval odds if your credit score is below 690.
Pros & Cons of Navigant Credit Union Preferred Card
| The Good | The Bad |
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Navigant Credit Union Preferred Card FAQ
Does Navigant Credit Union Preferred Card 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.
What are the relevant APRs for Navigant Credit Union Preferred 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 Max Cash Preferred 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% .
Does Navigant Credit Union Preferred 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.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 19.24% - 29.24% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Navigant Credit Union Preferred Card 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 Navigant Credit Union Preferred Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | Starting at $ up to $41 |
| Late Payment Fee | Starting at up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Navigant Credit Union Preferred Card have a foreign transaction fee?
Navigant Credit Union Preferred 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 Preferred Card?
The Navigant Credit Union Preferred Card customer service number is (401) 233-4700.
What is the support contact email for Navigant Credit Union Preferred Card?
The support contact email for Navigant Credit Union Preferred Card is info@navigantcu.org.
What is the Navigant Credit Union Preferred Card login page?
You can access the Navigant Credit Union Preferred Card login page here.
How do people rate the customer service and user experience of Navigant Credit Union Preferred 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 Preferred Card
- Visit the Navigant Credit Union Preferred 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
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual 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 |
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