This review is for the California Credit Union CCU 4 Schools Rewards Visa Credit Card. This is one of three cards offered by the California Credit Union, which is a financial institution specifically designed for teachers and educators.
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The other two types of cards that are available to California Credit Union Members include a Traditional Visa Card as well as a Visa Rewards Card.
California Credit Union CCU 4 Schools Rewards Visa Credit Card Details
The California Credit Union CCU 4 Schools Rewards Visa Credit Card offers many of the same benefits as the Visa Rewards card, including a variable annual percentage rate and no annual fee. The APR for the card varies between 12.99% and 20.99%. In addition, there is a 25-day grace period when you can pay off your entire balance and avoid any interest charges.
The APR for cash advances and balance transfers is the same as the purchase APR, however there is a 3% fee for balance transfers. The penalty APR is 23.15% and will go into effect if you miss a payment or have a payment returned.
It is important to make your credit card payments on time in order to maintain a clean credit history. You can learn more ways to improve your credit score from such sites as MyMoney.
California Credit Union CCU 4 Schools Rewards Visa Credit Card Benefits
With every purchase you make with the California Credit Union CCU 4 Schools Rewards Visa Credit Card, you earn an automatic 1% cash reward to the school of your choice in the state of California.
The cash back is based on everyday purchases such as gas, groceries, and merchandise. You can track your rewards points online as well as set up automatic payments through your checking or savings account with the California Credit Union. If you are not a member of the California Credit Union, you cannot receive the card.
California Credit Union CCU 4 Schools Rewards Visa Credit Card Bottom Line
If you are a teacher who is looking for a rewards card that can benefit your school, this card is a good choice. It is similar to the Visa Rewards Card but instead of the 1% cash back going to the cardholder, it goes to the school of your choice.
Compare credit cards online by using the simple credit card chaser today.
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