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Credit Needed
Limited

MCU Visa® Classic Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
13.15% (variable) 

This card compared to other cash back cards

Cashback on Gas
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1% When You Buy, 1% As You Pay
1%
Purchase APR
13.15% (variable) 
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
CardRatings.com Editorial Staff

MCU Visa® Classic details

Balance Transfer Intro APR:
5.90% introductory APR for new cardholders on purchases and balance transfers for first six months
Balance Transfer Intro Period:
6 months
Purchase Intro:
APR:
5.90% introductory APR for new cardholders on purchases and balance transfers for first six months
Period:
6 months
Purchase APR:
13.15% (variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 N/A
Margin:
 9.90% (see Notes)
 9.90% (see Notes)
 N/A
APR:
  13.15% (variable)
 13.15% (variable)
 17.90% (fixed)
APR Floor:
 None
 None
 None
Intro Rate:
 5.90% introductory APR for new cardholders on purchases and balance transfers for first six months
 5.90% introductory APR for new cardholders on purchases and balance transfers for first six months
 N/A
Intro Period:
 6 months
 6 months
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1% of each transaction in U.S. dollars.
Late Fee:
 Up to $30
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 N/A
Special Notes:
 Must be a Municipal Credit Union member. Ideal first card - simple and flexible. Returned Payment Fee: Up to $20. APR Note: The annual percentage rate may vary (increase or decrease) quarterly based upon the movement in the highest prime rate as published by the Wall Street Journal on March 15th, June 15th, September 15th, and December 15th of each year (“index date”).
Credit Card More Information:

Card Issued By:
 Municipal CU
General Correspondence Address:
 2 Lafayette Street
Card Type:
 Visa
Card Class:
 Classic
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good