in Personal Credit Cards from Valley Strong Credit Union
UnaffiliatedValley Strong Credit Union Rewards Card
in Personal Credit Cards from Valley Strong Credit Union
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| Purchase APR (Variable APR) | 12% - 15.65% |
| Balance Transfer APR (Variable APR) | 12% - 15.65% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Valley Strong Credit Union Rewards Card Review
This is a cashback credit card issued by Valley Strong Credit Union. If you're wondering whether Valley Strong Credit Union Rewards 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.
- Competitive APRs. Valley Strong Credit Union Rewards Card has a variable purchase APR that ranges from 12% up to 15.65%.
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
|---|---|
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Does Valley Strong Credit Union Rewards Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Valley Strong Credit Union Rewards Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Valley Strong Credit Union Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Valley Strong Credit Union Rewards Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Valley Strong Credit Union Rewards 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.Valley Strong Credit Union Rewards Card has a variable purchase APR that ranges from 12% up to 15.65%. The card has a variable balance transfer APR that ranges from 12% up to 15.65%. It also has a variable cash advance APR that ranges from 14% up to 15.65%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Valley Strong Credit Union Rewards Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Valley Strong Credit Union Rewards 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 Valley Strong Credit Union Rewards Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Initial Program Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $30 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Valley Strong Credit Union Rewards Card have a foreign transaction fee?
Valley Strong Credit Union Rewards Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Valley Strong Credit Union Rewards Card?
The support contact email for Valley Strong Credit Union Rewards Card is valleystrong@valleystrong.com.
How do people rate the customer service and user experience of Valley Strong Credit Union Rewards Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Valley Strong Credit Union Rewards Card report your account activity to credit bureaus?
Yes, Valley Strong Credit Union Rewards 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 Valley Strong Credit Union Rewards Card
- Visit the Valley Strong Credit Union Rewards 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.
Contact
- Headquarters
-
1341 Allen Road Bakersfield,
Bakersfield, CA 93314 - Visit Site
- Email Support
Other Services by Valley Strong Credit Union
Availability
- 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
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Additional Card Fee Amount | $0 |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 2% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Initial Program Fee | Starting at $0 |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $30 |
| Late Fee Amount | Starting at $10 |
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