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  PrimeWay FCU Real Rewards Visa Credit Card
PrimeWay FCU Real Rewards Visa Credit Card Unaffiliated

PrimeWay FCU Real Rewards Visa Credit Card

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Highlights
Purchase APR  (Variable APR) 14.49% - 23.49%
Balance Transfer APR  (Variable APR) 14.49% - 23.49%
Credit Score Range 650 - 850
Annual Fee $0

PrimeWay FCU Real Rewards Visa Credit Card Review

This is a rewards credit card issued by PrimeWay Federal Credit Union. If you're wondering whether PrimeWay FCU Real Rewards Visa 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
  • 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.
  • Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. PrimeWay FCU Real Rewards Visa Credit Card has a variable purchase APR that ranges from 14.49% up to 23.49%.
  • 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.
  • 3% Balance transfer fee. PrimeWay FCU Real Rewards Visa 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 $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of PrimeWay FCU Real Rewards Visa Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere PrimeWay FCU Real Rewards Visa Credit Card is accepted.
  • PrimeWay FCU Real Rewards Visa Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
PrimeWay FCU Real Rewards Visa Credit Card FAQ

Does PrimeWay FCU Real Rewards Visa Credit Card have a cash back or rewards program?

PrimeWay FCU Real Rewards Visa Credit Card is a rewards card.

PrimeWay FCU Real Rewards Visa Credit Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 2500

Does PrimeWay FCU Real Rewards Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does PrimeWay FCU Real Rewards Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the PrimeWay FCU Real Rewards Visa Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for PrimeWay FCU Real Rewards Visa 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.

PrimeWay FCU Real Rewards Visa Credit Card has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR of 25.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does PrimeWay FCU Real Rewards Visa Credit Card 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.

PrimeWay FCU Real Rewards Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does PrimeWay FCU Real Rewards Visa Credit Card have an intro APR offer on new purchases?

PrimeWay FCU Real Rewards Visa Credit Card 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 PrimeWay FCU Real Rewards Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
PrimeWay FCU Real Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

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

Does PrimeWay FCU Real Rewards Visa Credit Card have a foreign transaction fee?

PrimeWay FCU Real Rewards Visa Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the support contact email for PrimeWay FCU Real Rewards Visa Credit Card?

The support contact email for PrimeWay FCU Real Rewards Visa Credit Card is callcenter@primewayfcu.com.

How do people rate the customer service and user experience of PrimeWay FCU Real Rewards Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does PrimeWay FCU Real Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, PrimeWay FCU Real Rewards Visa 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 PrimeWay FCU Real Rewards Visa Credit Card

  • Visit the PrimeWay FCU Real Rewards Visa 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.

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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 - 2:00pm

Other Services by PrimeWay Federal Credit Union

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Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 30 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
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
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) 25.99%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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