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  Neighbors Federal Credit Union Elite Visa Credit Card
Neighbors Federal Credit Union Elite Visa Credit Card Unaffiliated

Neighbors Federal Credit Union Elite Visa Credit Card

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Highlights
Purchase APR  (Variable APR) 12.4% - 18%
Balance Transfer APR  (Variable APR) 12.4% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Neighbors Federal Credit Union Elite Visa Credit Card Review

This is a cashback credit card issued by Neighbors Federal Credit Union. If you're wondering whether Neighbors Federal Credit Union Elite Visa Credit Card 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
  • Signup bonus. Offers a signup bonus of 5000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Neighbors Federal Credit Union Elite Visa Credit Card has a variable purchase APR that ranges from 12.4% up to 18%.
  • 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.
  • 2% Balance transfer fee. Neighbors Federal Credit Union Elite Visa Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
  • 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 Neighbors Federal Credit Union Elite Visa Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Access to a concierge.
  • Cardholders can earn rewards on purchases everywhere Neighbors Federal Credit Union Elite Visa Credit Card is accepted.
  • Neighbors Federal Credit Union Elite Visa Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
Neighbors Federal Credit Union Elite Visa Credit Card FAQ

Does Neighbors Federal Credit Union Elite 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.

Neighbors Federal Credit Union Elite Visa Credit Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 5000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Neighbors Federal Credit Union Elite Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Neighbors Federal Credit Union Elite Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Neighbors Federal Credit Union Elite Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Neighbors Federal Credit Union Elite 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.

Neighbors Federal Credit Union Elite Visa Credit Card has a variable purchase APR that ranges from 12.4% up to 18%. The card has a variable balance transfer APR that ranges from 12.4% up to 18%. It also has a variable cash advance APR that ranges from 12.4% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Neighbors Federal Credit Union Elite Visa Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Neighbors Federal Credit Union Elite Visa Credit 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 Neighbors Federal Credit Union Elite Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Neighbors Federal Credit Union Elite Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $26
Late Payment Fee up to $26

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

Does Neighbors Federal Credit Union Elite Visa Credit Card have a foreign transaction fee?

Neighbors Federal Credit Union Elite 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 support contact email for Neighbors Federal Credit Union Elite Visa Credit Card?

The support contact email for Neighbors Federal Credit Union Elite Visa Credit Card is neighborsfcu@neighborsfcu.org.

How do people rate the customer service and user experience of Neighbors Federal Credit Union Elite Visa Credit Card?

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

Does Neighbors Federal Credit Union Elite Visa Credit Card report your account activity to credit bureaus?

Yes, Neighbors Federal Credit Union Elite 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 Neighbors Federal Credit Union Elite Visa Credit Card

  • Visit the Neighbors Federal Credit Union Elite 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.

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Contact

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 Neighbors Federal Credit Union

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Availability

  Available in 1 state
Louisiana
Availabile in all of Louisiana

Feature Breakdown

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $26
Late Fee Amount Up to $26
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Fraud Liability
Rewards Rates
  • Every Purchase
Signup Bonus (points) 5,000
Cash Advance APR (Variable APR) 12.4% - 18%
Balance Computation average daily balance (excluding new purchases) (including new balance transfers and cash advances).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 12.4% - 18%
Balance Transfer APR (Variable APR) 12.4% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

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