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  Numerica Credit Union Visa Luna Credit Card
Numerica Credit Union Visa Luna Credit Card Unaffiliated

Numerica Credit Union Visa Luna Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 11.99 - 17.90
Balance Transfer APR  (Variable APR) 11.99 - 17.90
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. This review will provide you with with all the details you need to make a good choice.

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.

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?

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

What is the customer service phone number for Numerica Credit Union Visa Luna Credit Card?

The Numerica Credit Union Visa Luna Credit Card customer service number 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 Numerica Credit Union Visa Luna Credit Card login page?

You can access the Numerica Credit Union Visa Luna Credit Card login page 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 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.

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 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

About Numerica Credit Union Visa Luna Credit Card

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View all credit cards offered by Numerica Credit Union

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

Cash Advance Fee Minimum 0.75
Minimum Cash Advance Fee ($) Up to 0.75
No Foreign Transaction Fee
Annual Fee $29
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to 25
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
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 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 16.99 - 17.90
Balance Computation "average daily balance (including new purchases)."
Penalty APR (Variable APR) 18
Purchase APR (Variable APR) 11.99 - 17.90
Balance Transfer APR (Variable APR) 11.99 - 17.90
Card Type
  • Cashback
Card Network Visa

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