Vibrant Credit Union Mastercard credit card

Vibrant Credit Union Mastercard credit card Review

This is a card issued by Vibrant Credit Union. If you're wondering whether vibrant credit union is the right card for you, read on.

Key Takeaways

• Competitive APRs. Vibrant Credit Union Mastercard credit card has a variable purchase APR that ranges from 9.90% up to 18%.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of vibrant credit union

The Good	The Bad
Potentially lower than average purchase APRs. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair credit. Vibrant Credit Union Mastercard credit card reports to multiple credit bureaus.	Charges an annual fee of $1 Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

vibrant credit union FAQ

Does vibrant credit union have a cash back or rewards program?

No, it does not offer a rewards program.

What are the vibrant credit union benefits?

It provides the following benefits:

• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for vibrant credit union?

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.

Vibrant Credit Union Mastercard credit card has a variable purchase APR that ranges from 9.90% up to 18%. The card has a variable balance transfer APR that ranges from 9.90% up to 18%. It also has a variable cash advance APR that ranges from 9.90% up to 18%. Note that late payments are subject to an APR of 18% 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 vibrant credit union?

The following fees apply:

• An overlimit fee of $25.

vibrant credit union Fees

Fees	Amount
Annual Fee	$1
Overlimit Fee	$25
Initial Program Fee	$
Foreign Transaction Fee	%
Returned Payment Fee	Starting at $25 up to $35
Late Payment Fee	Starting at $25 up to $35

This card charges a $1 annual fee.

Does Vibrant Credit Union Mastercard credit card report your account activity to credit bureaus?

Yes, Vibrant Credit Union Mastercard 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 vibrant credit union

• Visit the vibrant credit union 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.