Northwest Community Credit Union of Oregon Visa Credit Card
in Personal Credit Cards from Northwest Community Credit Union of Oregon
UnaffiliatedNorthwest Community Credit Union of Oregon Visa Credit Card
in Personal Credit Cards from Northwest Community Credit Union of Oregon
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| Purchase APR (Variable APR) | 6.25 - 16.25 |
| Balance Transfer APR (Variable APR) | 6.25 - 16.25 |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Northwest Community Credit Union of Oregon Visa Credit Card Review
This is a credit card issued by Northwest Community Credit Union of Oregon. If you're wondering whether Northwest Community Credit Union of Oregon 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 Oregon Visa Credit Card has a variable purchase APR that ranges from 6.25% up to 16.25%.
- 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.
- 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 600.
| The Good | The Bad |
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Does Northwest Community Credit Union of Oregon 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 Oregon 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 Oregon 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 variable purchase APR that ranges from 6.25% up to 16.25%. The card has a variable balance transfer APR that ranges from 6.25% up to 16.25%. It also has a variable cash advance APR that ranges from 6.25% up to 16.25%.
Does Northwest Community Credit Union of Oregon 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 Credit Union of Oregon 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 Credit Union of Oregon Visa Credit Card?
The following fees apply:
- An overlimit fee of $25.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $25 |
| Foreign Transaction Fee | 1% |
| 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 Oregon Visa Credit Card have a foreign transaction fee?
Northwest Community Credit Union of Oregon 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 customer service phone number for Northwest Community Credit Union of Oregon Visa Credit Card?
The Northwest Community Credit Union of Oregon Visa Credit Card customer service number is (800) 452-9515.
What is the support contact email for Northwest Community Credit Union of Oregon Visa Credit Card?
The support contact email for Northwest Community Credit Union of Oregon Visa Credit Card is connect@nwcu.com.
Does Northwest Community Credit Union of Oregon Visa Credit Card report your account activity to credit bureaus?
Yes, Northwest Community Credit Union of Oregon 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 Oregon Visa Credit Card
- Visit the Northwest Community Credit Union of Oregon 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.
Contact
- Headquarters
-
545 East 8th Avenue
Eugene, OR 97401 - (800) 452-9515
- Visit Site
- Email Support
About Northwest Community Credit Union of Oregon Visa Credit Card
Availability
- 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 | $0 |
| No Interest Grace Period for Late Payment | 23 days |
| Cash Advance Fee Minimum | 3 |
| Cash Advance Fee (%) | 1.50 |
| Minimum Cash Advance Fee ($) | 3 |
| Foreign Currency Transaction Fee | 1 |
| Over-Limit Fee | 25 |
| Returned Payment Fee | Up to 25 |
| Paper Statement Fee | 2 |
| Additional Card Fee Amount | 5 |
| Late Fee Amount | Up to 25 |
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