Last Updated: 07/28/2025
Vibrant Credit Union Mastercard credit card
Unaffiliated
in Credit Cards from Vibrant Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.90% - 18%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
9.90% - 18%(Verified 06/21/2024)
Credit Score Range
600 - 850
Annual Fee
$1
Vibrant Credit Union Mastercard credit card Review
This is a card issued by Vibrant Credit Union. If you're wondering whether Vibrant Credit Union Mastercard credit card is the right card for you, read on.
Key Takeaways
- APRs: Vibrant Credit Union Mastercard credit card has a variable regular purchase APR that ranges from 9.90% up to 18%.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of vibrant credit union
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vibrant credit union FAQ
Does vibrant credit union have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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.Does vibrant credit union have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does vibrant credit union 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 vibrant credit union?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $1.
There is a late fee of up to $35 . What is the customer service phone number for vibrant credit union?
The customer service number for vibrant credit union is (800) 323-5109.
What is the support contact email for vibrant credit union?
The support contact email for vibrant credit union is hello@vibrantcu.org.
What is the login page for vibrant credit union?
You can access the login page of vibrant credit union here.
How do people rate the customer service and user experience of vibrant credit union?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Vibrant Credit Union Mastercard credit card report your account activity to credit bureaus?
Yes, Vibrant Credit Union Mastercard credit card reports to the following credit bureaus:
- 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 build your credit.
Does Vibrant Credit Union perform a hard credit pull?
Yes, vibrant credit union performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for vibrant credit union
- Visit the website of vibrant credit union.
- 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.
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
Closed