HAPO Community Credit Union HAPO Visa Cash Back Card

HAPO Community Credit Union HAPO Visa Cash Back Card Review

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

Key Takeaways

• Competitive APRs. HAPO Community Credit Union HAPO Visa Cash Back Card has a variable purchase APR that ranges from 15.50% up to 18%.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of HAPO Community Credit Union HAPO Visa Cash Back Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Offers Auto Rental Collision Damage Waiver. Travel accident insurance. Considers applicants with fair credit. HAPO Community Credit Union HAPO Visa Cash Back Card reports to multiple credit bureaus.	Does not offer a signup bonus.

HAPO Community Credit Union HAPO Visa Cash Back Card FAQ

Does HAPO Community Credit Union HAPO Visa 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. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.

What are the HAPO Community Credit Union HAPO Visa Cash Back Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for HAPO Community Credit Union HAPO Visa 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.

HAPO Community Credit Union HAPO Visa Cash Back Card has a variable purchase APR that ranges from 15.50% up to 18%. The card has a variable balance transfer APR that ranges from 15.50% up to 18%. It also has a variable cash advance APR that ranges from 15.50% up to 18%.

What are the fees for HAPO Community Credit Union HAPO Visa Cash Back Card?

The following fees apply:

HAPO Community Credit Union HAPO Visa Cash Back Card Fees

Description
Cash Advance Fee Minimum	$0
Cash Advance Fee (%)	0%
Minimum Cash Advance Fee ($)	$0
No Annual Fee?
Annual Fee	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	$20
Late Fee Amount	$25

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

Does HAPO Community Credit Union HAPO Visa Cash Back Card report your account activity to credit bureaus?

Yes, HAPO Community Credit Union HAPO Visa 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 HAPO Community Credit Union HAPO Visa Cash Back Card

• Visit the HAPO Community Credit Union HAPO Visa 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.