Achieva Credit Union Visa Emerald Credit Card

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Achieva Credit Union Visa Emerald Credit Card

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This review is for the Achieva Credit Union Visa Emerald Card. The Emerald Card offers cash rewards for everyday purchases, as well as a low annual percentage rate and the convenience of having a card with a credit union.

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Details of Achieva Credit Union Visa Emerald Credit Card

The annual percentage rate for the Achieva Credit Union Visa Emerald Card ranges between 9.9% and 17.9%. The actual rate for you depends on your credit score and worthiness. This rate is also the same for all balance transfers and cash advances.

There is a 3% fee on cash advances and balance transfer with a maximum fee of $100.

With a grace period that last for a full 25 days, you will not pay any interest charges each month if you pay your balance off in full. There is also no annual fee for the card.

Achieva Credit Union Visa Emerald Credit Card Benefits

When you use you Achieva Credit Union Visa Emerald Credit Card for certain purchases, you can earn cash back. For the first $5,000 you spend on your card, you can earn up to half a percent back. From $5,001 up to $10,000, you can earn up to 1% back, and anything over $10,000 earns 1.5% cash back.

The rewards are calculated each month, and will build up over the entire year. The total award will be sent to you as the cardholder each November to help with holiday shopping. Suze Orman offers advice on her website whether a credit card with rewards is right for you.

With a qualified checking or savings account, you can set up automatic payment for your Achieva card. As with other Visa Card, the Achieva Emerald Rewards card offers complete fraud protection and travel accident insurance. Online purchases are also protected, and Achieva offer fast turnaround for a lost or stolen credit card.

Achieva Credit Union Visa Emerald Credit Card Bottom Line

The Achieva Credit Union Visa Emerald Card offers a low APR and no annual fee, as well as a cash back program. Although there are other cards that offer higher amounts of cash back, especially if you are spending more than $10,000 a year on the card, the Achieva card is a good option for individuals who have a checking account with the Achieva Credit Union.

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