Numerica Credit Union Visa Luna Credit Card

Numerica Credit Union Visa Luna Credit Card Review

This is a cashback 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

• Competitive APRs. Numerica Credit Union Visa Luna Credit Card has a variable purchase APR that ranges from 11.99% up to 17.90%.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Numerica Credit Union Visa Luna Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. Numerica Credit Union Visa Luna Credit Card reports to multiple credit bureaus.	You need good credit to qualify. Charges an annual fee of $29 Does not offer a signup bonus.

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.

What are the Numerica Credit Union Visa Luna Credit Card benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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.

What are the fees for Numerica Credit Union Visa Luna Credit Card?

The following fees apply:

Numerica Credit Union Visa Luna Credit Card Fees

Fees	Amount
Annual Fee	$29
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does Numerica Credit Union Visa Luna Credit Card report your account activity to credit bureaus?

Yes, Numerica Credit Union Visa Luna 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 Numerica Credit Union Visa Luna Credit Card

• Visit the Numerica Credit Union Visa Luna 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.