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  Premier America Credit Union Privileges Rewards Mastercard

Premier America Credit Union Privileges Rewards Mastercard

in Personal Credit Cards from Premier America Credit Union

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Premier America Credit Union Privileges Rewards Mastercard

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in Personal Credit Cards from Premier America Credit Union

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Highlights
Purchase APR  (Fixed APR) 10.75% - 20.25%
Balance Transfer APR  (Fixed APR) 10.75% - 20.25%
Credit Score Range 650 - 850
Annual Fee $0

Premier America Credit Union Privileges Rewards Mastercard Review

This is a rewards credit card issued by Premier America Credit Union. If you're wondering whether Premier America Credit Union Privileges Rewards Mastercard 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Premier America Credit Union Privileges Rewards Mastercard has a fixed purchase APR that ranges from 10.75% up to 20.25%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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 rental insurance, access to a concierge, identity theft protection, purchase protection, travel accident insurance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Premier America Credit Union Privileges Rewards Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Premier America Credit Union Privileges Rewards Mastercard is accepted.
  • Premier America Credit Union Privileges Rewards Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
Premier America Credit Union Privileges Rewards Mastercard FAQ

Does Premier America Credit Union Privileges Rewards Mastercard have a cash back or rewards program?

Premier America Credit Union Privileges Rewards Mastercard is a rewards card.

Premier America Credit Union Privileges Rewards Mastercard Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A

Does Premier America Credit Union Privileges Rewards Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Premier America Credit Union Privileges Rewards Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Premier America Credit Union Privileges Rewards Mastercard benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Premier America Credit Union Privileges Rewards Mastercard?

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 fixed purchase APR that ranges from 10.75% up to 20.25%. The card has a fixed balance transfer APR that ranges from 10.75% up to 20.25%. It also has a fixed cash advance APR that ranges from 10.75% up to 20.25%.

Does Premier America Credit Union Privileges Rewards Mastercard have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Premier America Credit Union Privileges Rewards Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 10.75% - 20.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Premier America Credit Union Privileges Rewards Mastercard have an intro APR offer on new purchases?

Premier America Credit Union Privileges Rewards Mastercard Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Premier America Credit Union Privileges Rewards Mastercard?

The following fees apply:

  • There is no overlimit fee
Premier America Credit Union Privileges Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $15

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

Does Premier America Credit Union Privileges Rewards Mastercard have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Premier America Credit Union Privileges Rewards Mastercard?

The Premier America Credit Union Privileges Rewards Mastercard customer service number is (800) 772-4000.

Does Premier America Credit Union Privileges Rewards Mastercard report your account activity to credit bureaus?

Yes, Premier America Credit Union Privileges Rewards Mastercard 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 Premier America Credit Union Privileges Rewards Mastercard

  • Visit the Premier America Credit Union Privileges Rewards Mastercard 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 9:00am - 1:00pm

About Premier America Credit Union Privileges Rewards Mastercard

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View all personal credit cards offered by Premier America Credit Union

Availability

  Available in 2 states
  • California
  • Texas

Feature Breakdown

Every Purchase (Points) Starting at 1.5
Introductory Rate 0%
Purchase Intro APR Period (Fixed APR) 6 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $3
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $3
Late Fee Amount Up to $15
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • Concierge
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) 10.75% - 20.25%
Balance Computation average daily balance (including new purchases).
Credit Limit $1,000 - $30,000
Purchase APR (Fixed APR) 10.75% - 20.25%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) 10.75% - 20.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Mastercard

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