IH Mississippi Valley Credit Union Genius Visa Credit Card

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IH Mississippi Valley Credit Union Genius Visa Credit CardIf 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.

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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.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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