Nuvision Credit Union Visa Signature Credit Card

Nuvision Credit Union Visa Signature Credit Card Review

This is a cashback credit card issued by Nuvision Credit Union. If you're wondering whether Nuvision Credit Union Visa Signature Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Nuvision Credit Union Visa Signature Credit Card has a variable purchase APR that ranges from 11.65% up to 16.65%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Nuvision Credit Union Visa Signature Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Nuvision Credit Union Visa Signature Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 3.99%. No annual fee. Multiple credit card perks. Access to a concierge. Identity Theft Protection. Travel accident and travel assistance insurance. No foreign transaction fee. Nuvision Credit Union Visa Signature Credit Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. Charges a 3% balance transfer fee.

Nuvision Credit Union Visa Signature Credit Card FAQ

Does Nuvision Credit Union Visa Signature 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 Nuvision Credit Union Visa Signature Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Nuvision Credit Union Visa Signature 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.

Nuvision Credit Union Visa Signature Credit Card has a variable purchase APR that ranges from 11.65% up to 16.65%. The card has a variable balance transfer APR that ranges from 11.65% up to 15.65%. It also has a variable cash advance APR that ranges from 11.65% up to 16.65%. Note that late payments are subject to an APR of 16.65% 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 Nuvision Credit Union Visa Signature Credit Card?

The following fees apply:

Nuvision Credit Union Visa Signature Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $37
Late Payment Fee	up to $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Nuvision Credit Union Visa Signature Credit Card report your account activity to credit bureaus?

Yes, Nuvision Credit Union Visa Signature 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 Nuvision Credit Union Visa Signature Credit Card

• Visit the Nuvision Credit Union Visa Signature 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.