Last Updated: 07/28/2025
Numerica Credit Union Visa Luna Credit Card
Unaffiliated
in Credit Cards from Numerica Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.99% - 17.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.99% - 17.90%(Verified 06/21/2024)
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Credit Score Range
680 - 850
Annual Fee
$29
Numerica Credit Union Visa Luna Credit Card Review
This is a cashback credit card issued by Numerica Credit Union. If you're wondering whether Numerica Credit Union Visa Luna Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Numerica Credit Union Visa Luna Credit Card has a variable regular purchase APR that ranges from 11.99% up to 17.90%.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Numerica Credit Union Visa Luna Credit Card
| The Good | The Bad |
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Numerica Credit Union Visa Luna Credit Card FAQ
Does Numerica Credit Union Visa Luna Credit 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.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Numerica Credit Union Visa Luna Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Numerica Credit Union Visa Luna Credit Card has a variable purchase APR that ranges from 11.99% up to 17.90%. The card has a variable balance transfer APR that ranges from 11.99% up to 17.90%. It also has a variable cash advance APR that ranges from 16.99% up to 17.90%.
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 Numerica Credit Union Visa Luna Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Numerica Credit Union Visa Luna 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 Numerica Credit Union Visa Luna Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Up to $0.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $29.
What is the customer service phone number for Numerica Credit Union Visa Luna Credit Card?
The customer service number for Numerica Credit Union Visa Luna Credit Card is (800) 433-1837.
What is the support contact email for Numerica Credit Union Visa Luna Credit Card?
The support contact email for Numerica Credit Union Visa Luna Credit Card is ncumemberservice@numericacu.com.
What is the login page for Numerica Credit Union Visa Luna Credit Card?
You can access the login page of Numerica Credit Union Visa Luna Credit Card here.
How do people rate the customer service and user experience of Numerica Credit Union Visa Luna Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Numerica Credit Union Visa Luna Credit Card report your account activity to credit bureaus?
Yes, Numerica Credit Union Visa Luna Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Numerica Credit Union perform a hard credit pull?
Yes, Numerica Credit Union Visa Luna Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Numerica Credit Union Visa Luna Credit Card
- Visit the website of Numerica Credit Union Visa Luna Credit Card.
- 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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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