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  Northwest Community CU Illinois Visa Credit Card
Northwest Community CU Illinois Visa Credit Card
in Personal Credit Cards from Northwest Community Credit Union of Illinois
Unaffiliated

Northwest Community CU Illinois Visa Credit Card

Unaffiliated
in Personal Credit Cards from Northwest Community Credit Union of Illinois
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Highlights
Purchase APR  (Fixed APR) 8.95
Balance Transfer APR  (Fixed APR) 8.95
Credit Score Range 600 - 850
Annual Fee $0

Northwest Community CU 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 CU 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.

Key Takeaways
  • Competitive APRs. Northwest Community CU 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 odds if your credit score is above 600.
Pros & Cons of Northwest Community CU Illinois Visa Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Northwest Community CU 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.
Northwest Community CU Illinois Visa Credit Card FAQ

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

No, it does not offer a rewards program.

What are the Northwest Community CU 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 CU 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. This card has lower than average regular APRs.

Northwest Community CU Illinois Visa Credit Card 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% .

Does Northwest Community CU Illinois 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 Northwest Community CU Illinois 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 Northwest Community CU Illinois Visa Credit Card?

The following fees apply:

Northwest Community CU 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.

What is the support contact email for Northwest Community CU Illinois Visa Credit Card?

The support contact email for Northwest Community CU Illinois Visa Credit Card is info@nwccu.com.

How do people rate the customer service and user experience of Northwest Community CU Illinois Visa Credit Card?

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

Does Northwest Community CU Illinois Visa Credit Card report your account activity to credit bureaus?

Yes, Northwest Community CU 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 CU Illinois Visa Credit Card

  • Visit the Northwest Community CU 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.

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 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday Closed
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday 9:00am - 1:00pm

About Northwest Community CU Illinois Visa Credit Card

View Northwest Community Credit Union of Illinois Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Cash Advance Fee (%) 3
Returned Payment Fee Up to 25
Late Fee Amount Up to 25
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 8.95
Purchase APR (Fixed APR) 8.95
Balance Transfer APR (Fixed APR) 8.95
Card Type
  • Low Interest
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.