TruWest Credit Union Signature Card

TruWest Credit Union Signature Card Review

This is a rewards card issued by TruWest Credit Union. If you're wondering whether truwest credit card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer 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 18 months.
• Competitive APRs. TruWest Credit Union Signature Card has a variable purchase APR that ranges from 12.65% up to 13.65%.
• 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. TruWest Credit Union Signature Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.8% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, travel assistance, and fraud protection.

Pros & Cons of truwest credit card

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 18 months. 0% APR on new purchases during the first 18 months. There is then a variable purchase APR that ranges from 12.65% up to 13.65%. No annual fee. Multiple credit card perks. Access to a concierge. Identity Theft Protection. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on their purchases. TruWest Credit Union Signature Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 0.8%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee

truwest credit card FAQ

Does truwest credit card have a cash back or rewards program?

truwest credit card is a rewards card.

truwest credit card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the truwest credit card benefits?

It provides the following benefits:

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

What are the relevant APRs for truwest 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.

TruWest Credit Union Signature Card has a variable purchase APR that ranges from 12.65% up to 13.65%. The card has a variable balance transfer APR that ranges from 12.65% up to 13.65%. It also has a variable cash advance APR that ranges from 12.65% up to 13.65%.

What are the fees for truwest credit card?

The following fees apply:

truwest credit card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	0.8%
Returned Payment Fee	Starting at $ up to $25
Late Payment Fee	Starting at up to $25

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

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

Yes, TruWest Credit Union Signature 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 truwest credit card

• Visit the truwest 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.