This review is for the California Credit Union Visa Rewards Credit Card. One of only three cards offered to members of the California Credit Union members, it is the only rewards card available. The other cards offered through the California Credit Union are the Visa Traditional Card and the School Rewards Visa.
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The California Credit Union is designed for teachers and educators in California, and you must be a member of the credit union in order to apply for and receive the Visa Rewards Card.
California Credit Union Visa Rewards Credit Card Details
The annual percentage rate for the Visa Rewards card is between 13.99% and 21.99%. This is one percent higher than the APR for the traditional card. However, like the traditional card, there is no annual fee for the Visa Rewards card.
If you either miss a payment or a payment is returned due to insufficient funds, your annual percentage rate will increase to the penalty rate of 23.15%. You can also be charged a fee for missing a payment.
It is important to make your credit card payments on time in order to maintain a clean credit history. You can learn more about improving your credit from Suze Orman.
California Credit Union Visa Rewards Credit Card Benefits
The benefits of the Visa Rewards card include receiving 1% cash back on all purchases made with the card.
You can also receive the Visa Zero Liability Protection, which shields you from any financial responsibility if an unauthorized purchase is made with your card after you have reported it lost or stolen.
The card is accepted at millions of locations all over the world, and offers easy access to cash. You can also manage your account online and set up automatic payments through your checking or savings account at the California Credit Union.
California Credit Union Visa Rewards Credit Card Bottom Line
The card offers 1% cash back on most purchases, so depending on how much you use the card you can earn quite a bit of money through rewards. However, the annual percentage rate is fairly high so if you carry a balance consistently you might want to consider a different card.
Compare credit cards online by using the simple credit card chaser today.
- California Credit Union Visa Traditional Credit Card
- California Credit Union CCU 4 Schools Rewards Visa Credit Card
- California Coast Credit Union Visa Platinum Choice Rewards Credit Card
- California Coast Credit Union Visa Platinum Secured Credit Card
- California Coast Credit Union Visa Classic Credit Card
- California Coast Credit Union Visa Platinum Student Credit Card
- California Bank and Trust Visa Platinum Credit Card