Last Updated: 07/28/2025
Vibrant Credit Union Rewards 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)
18% - 23.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
18% - 23.99%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0 - $50
Vibrant Credit Union Rewards Mastercard credit card Review
This is a rewards card issued by Vibrant Credit Union. If you're wondering whether Vibrant Credit Union Rewards Mastercard credit card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18% up to 23.99%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $50 for the privilege.
- $0 intro annual fee for the first year. Vibrant Credit Union Rewards Mastercard credit card gives you the chance to have the card for a year without paying the $0 annual fee.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
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?
vibrant credit union is a rewards card.
| Description |
Does vibrant credit union have a signup bonus?
This card doesn't offer a cash signup bonus.Does vibrant credit union offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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 Rewards Mastercard credit card has a variable purchase APR that ranges from 18% up to 23.99%. The card has a variable balance transfer APR that ranges from 18% up to 23.99%. It also has a variable cash advance APR that ranges from 18% up to 23.99%.
Note that late payments are subject to an APR of 23.99% 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $50.
There is a late fee of up to $35 . Does vibrant credit union have a foreign transaction fee?
vibrant credit union charges a foreign transaction fee of up to 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 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 Rewards Mastercard credit card report your account activity to credit bureaus?
Yes, Vibrant Credit Union Rewards 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