If you are one of the fortunate people who have made all of the right choices when it comes to building your credit, and you are looking for a credit card to add to your arsenal, then you will want to consider the IH Mississippi Valley Credit Union Genius Visa credit card.
Compare credit cards online with the FREE credit card chaser tool!
The Genius Visa credit card is a credit card for people with practically perfect credit. This isn’t a card for anyone with bumps on their credit history or anyone who has a debt-to-income ratio that is too high. To figure out your own debt-to-income ratio, use this calculator from U.S. News & World Report.
IH MVCU Genius Visa Credit Card Overview
If you have near-perfect credit, then you are going to find this credit card appealing. In fact, perhaps one of the only downsides to this credit card is its lack of a rewards program, which is a bit surprising considering that this is supposed to be a card for the cream of the crop, so to speak, of IH Mississippi Valley Credit Union customers.
This credit card has a low fixed interest rate, as well as a personalized concierge service, $1 million in travel insurance, rental car insurance coverage, and product protection. Product protection allows you to get a refund on any item purchased on your card within 90 days of the purchase if it is lost, stolen, or broken, even if the store won’t take it back.
IH MVCU Genius Visa Credit Card Terms
The credit card terms and conditions are the same as they are for all of the IH Mississippi Valley credit cards with one exception: the APR for this card is 7.9%, which makes the penalty APR 12.9%, when applicable.
There is no annual fee for this credit card nor are there any fees for ATM use. The fee for balance transfers and credit card cash advances is $5 or 2%, whichever is the greater amount of your total.
IH MVCU Genius Visa Credit Card Verdict
A low-interest credit card with low fees–how can you say no to this card if you qualify? You may not qualify for membership. However, if you do then you should consider this option, as you won’t find much better when it comes to a low interest rate.
Use the FREE credit card chaser tool for an online credit card comparison now!
- IH Mississippi Valley Credit Union Brilliant Visa Credit Card
- IH Mississippi Valley Credit Union Bright Visa Credit Card
- IH Mississippi Valley Credit Union Smart Visa Credit Card
- IH Mississippi Valley Credit Union Business Visa Credit Card
- Debt-to-Income Ratio
- Qualifying Ratio
- Matanuska Valley Federal Credit Union Visa Classic Credit Card