Last Updated: 07/28/2025
Y-12 Federal Credit Union Visa Signature Rewards Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.74% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.74% - 18.00%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Y-12 Federal Credit Union Visa Signature Rewards Credit Card Review
This is a cashback credit card issued by Y-12 Federal Credit Union. If you're wondering whether Y-12 Federal Credit Union Visa Signature Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- Spend $1,000 in the first 90 days, and receive $200 cash bonus (20,000 bonus points)
- APRs: Y-12 Federal Credit Union Visa Signature Rewards Credit Card has a variable regular purchase APR that ranges from 16.74% up to 18.00%.
- 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.
- No intro balance transfer fee. Y-12 Federal Credit Union Visa Signature Rewards Credit Card does not charge a fee on balance transfers.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, purchase security, travel accident insurance, and fraud protection.
Pros & Cons of Y-12 Federal Credit Union Visa Signature Rewards Credit Card
| The Good | The Bad |
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Y-12 Federal Credit Union Visa Signature Rewards Credit Card FAQ
Does Y-12 Federal Credit Union Visa Signature Rewards Credit 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back - 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Y-12 Federal Credit Union Visa Signature Rewards Credit Card have a signup bonus?
Yes. Spend $1,000 in the first 90 days, and receive $200 cash bonus (20,000 bonus points)
Does Y-12 Federal Credit Union Visa Signature Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Y-12 Federal Credit Union Visa Signature Rewards Credit Card benefits?
Y-12 Federal Credit Union Visa Signature Rewards Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Y-12 Federal Credit Union Visa Signature Rewards Credit Card?
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.Y-12 Federal Credit Union Visa Signature Rewards Credit Card has a variable purchase APR that ranges from 16.74% up to 18.00%. The card has a variable balance transfer APR that ranges from 16.74% up to 18.00%. It also has a variable cash advance APR that ranges from 16.74% up to 18.00%.
Does Y-12 Federal Credit Union Visa Signature Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Y-12 Federal Credit Union Visa Signature Rewards Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0.00% on qualified purchases for a period of 12 months.
What are the fees for Y-12 Federal Credit Union Visa Signature Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for Y-12 Federal Credit Union Visa Signature Rewards Credit Card?
The customer service number for Y-12 Federal Credit Union Visa Signature Rewards Credit Card is (865) 482-1043.
What is the support contact email for Y-12 Federal Credit Union Visa Signature Rewards Credit Card?
The support contact email for Y-12 Federal Credit Union Visa Signature Rewards Credit Card is Y12info@y12fcu.org.
What is the login page for Y-12 Federal Credit Union Visa Signature Rewards Credit Card?
You can access the login page of Y-12 Federal Credit Union Visa Signature Rewards Credit Card here.
How do people rate the customer service and user experience of Y-12 Federal Credit Union Visa Signature Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Y-12 Federal Credit Union Visa Signature Rewards Credit Card report your account activity to credit bureaus?
Yes, Y-12 Federal Credit Union Visa Signature Rewards 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 Y-12 Federal Credit Union perform a hard credit pull?
Yes, Y-12 Federal Credit Union Visa Signature Rewards Credit Card 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 Y-12 Federal Credit Union Visa Signature Rewards Credit Card
- Visit the website of Y-12 Federal Credit Union Visa Signature Rewards Credit Card.
- 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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Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
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Saturday
9:00AM - 12:00PM