Northwest Community Credit Union of Illinois Visa Credit Card Review

This is a credit card issued by Northwest Community Credit Union of Illinois. If you're wondering whether Northwest Community Credit Union of Illinois 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.

• Competitive APRs. Northwest Community Credit Union of Illinois Visa Credit Card has a fixed purchase APR of 8.95%
• 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.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Considers applicants with fair or poor credit. Northwest Community Credit Union of Illinois Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Does Northwest Community Credit Union of Illinois Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Northwest Community Credit Union of Illinois Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Northwest Community Credit Union of Illinois 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. It has lower than average regular APRs.

It has a fixed purchase APR of 8.95%. The card has a fixed balance transfer APR of 8.95% . It also has a fixed cash advance APR of 8.95% .

What are the fees for Northwest Community Credit Union of Illinois Visa Credit Card?

The following fees apply:

Northwest Community Credit Union of Illinois Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $25
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 Northwest Community Credit Union of Illinois Visa Credit Card report your account activity to credit bureaus?

Yes, Northwest Community Credit Union of Illinois 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 Northwest Community Credit Union of Illinois Visa Credit Card

• Visit the Northwest Community Credit Union of Illinois 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.