Educators Credit Union Visa Signature Cash Back Card

Educators Credit Union Visa Signature Cash Back Card Review

This is a cashback card issued by Educators Credit Union. If you're wondering whether Educators Credit Union Visa Signature Cash Back Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Educators Credit Union Visa Signature Cash Back Card has a variable purchase APR that ranges from 13.25% up to 20.25%.
• No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Educators Credit Union Visa Signature Cash Back Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Educators Credit Union Visa Signature Cash Back Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. You don't earn rewards on every purchase.

Educators Credit Union Visa Signature Cash Back Card FAQ

Does Educators Credit Union Visa Signature Cash Back Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. This card features rewards for purchases in the following categories:

What are the Educators Credit Union Visa Signature Cash Back Card benefits?

It provides the following benefits:

• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Educators Credit Union Visa Signature Cash Back Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Educators Credit Union Visa Signature Cash Back Card has a variable purchase APR that ranges from 13.25% up to 20.25%. The card has a variable balance transfer APR that ranges from 13.25% up to 20.25%. It also has a variable cash advance APR that ranges from 13.25% up to 20.25%.

What are the fees for Educators Credit Union Visa Signature Cash Back Card?

The following fees apply:

Educators Credit Union Visa Signature Cash Back Card Fees

Description
Cash Advance Fee Minimum	$0
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Starting at 25.00
Paper Statement Fee	5.00
Additional Card Fee Amount	5.00
Late Fee Amount	Up to 25.00

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Educators Credit Union Visa Signature Cash Back Card report your account activity to credit bureaus?

Yes, Educators Credit Union Visa Signature Cash Back Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Educators Credit Union Visa Signature Cash Back Card

• Visit the Educators Credit Union Visa Signature Cash Back Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.