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About Our Ratings
Credit Needed
Limited

Consumers Credit Union Credit Builder Secured Visa Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
$25

This card compared to other cash back cards

Card Name
Consumers Credit Union Credit Builder Secured Visa
Cashback on Gas
3% at U.S. gas stations
5%
Cashback on Groceries
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
1%
Cashback on other
1% other purchases. Terms and limitations apply.
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
None
APR:
0% on Purchases
Period:
for 12 months
APR:
0%
Period:
14 months
Purchase APR
21% Fixed 
13.49%-23.49% Variable 
11.49% - 23.49% Variable 
Rates and Fees
CardRatings.com Editorial Staff

Consumers Credit Union Credit Builder Secured Visa details

Balance Transfer Intro APR:
None
Balance Transfer Intro Period:
None
Purchase Intro:
APR:
None
Purchase APR:
21% Fixed
Annual Fee:
$25
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 N/A
 
 
Margin:
 N/A
 N/A
 N/A
APR:
  21% Fixed
 21% Fixed
 21% Fixed
APR Floor:
 None
 None
 None
Intro Rate:
 None
 None
 None
Intro Period:
 None
 None
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 22.99% Fixed
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 
Maximum Default APR:
 Fixed
Penalty/Default Trigger:
 This APR may be applied to your account if you make a payment that is late 60 days or more.

Credit Card Fee Information:


Annual Fee:
 $25
Foreign Transaction Fee:
 2%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 N/A
Special Notes:
 Must be a Consumers Credit Union member, eligible to those who live, work, worship, or are enrolled in post high school educational institutions in Allegan, Barry, Berrien, Branch, Calhoun, Cass, Kalamazoo, Kent, Ottawa, St. Joseph, or Van Buren counties, Michigan. Consumers' Credit Builder can help you establish or repair credit. Foreign Transaction & Cross–Border Assessment Fee: 2% of each transaction in U.S. dollars regardless of whether the transaction involves a currency conversion, and .008% of the Issuer Settlement Amount and 0.002% of the Issuer Settlement Amount if there is a currency conversion. Penalty APR: 22.99%. If card issuer increases your APRs due to a late payment, they may be kept at this higher level on existing and new balances until you make six consecutive on–time payments.
Credit Card More Information:

Card Issued By:
 Consumers Credit Union
General Correspondence Address:
PO Box 9119
Waukegan, IL 60079
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 $1000 max.
Credit Limit Notes:
 

Credit Card Consumer Reviews:

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Apply online for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
Credit Needed:
Excellent, Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good