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Community First Visa Credit Card

 
 
Product Image


Purchase Rate 9.99%
Cash Advance Rate 9.99%
55 days
Interest Free
$40
Annual Fee
  • Balance Transfer Rate 9.99%

    • Super low interest rate.
    • Same low rate on retail purchases, cash advances and balance transfers.
    • Up to 55 days interest free.
    • Additional card available for $0.
    • Low annual fee of $40.
    • Choose a credit limit from as little as $1,000 and up to $15,000.
    • Access to the worldwide Visa network.
    • The option of loan protection insurance.

    Card Details

    Rewards Program N Overseas ATM Availability Y
    Insurance Cover for Purchases Y Interest Paid on Credit Balance N
    Automatic Travel Insurance N    


     
     
    Rewards Points per Dollar
    Spend to Redeem $100 Gift Card*
    Spend at Loyalty Partner for $100 Gift Card*
    Linked to Frequent Flyer N
    Frequent Flyer Ratio
    SPEND FOR SYD/MEL RETURN*


    Lifetime of Points
    Rewards Program Partners
    Rewards Bonus Points Partners
    Domestic Airlines
    International Airlines
    Conditions
    Annual Fee $40 Minimum Repayment 3%
    Annual Fee First Year $40 Interest Charged From PurchaseDate
    Rewards Joining Fee Late Payment Fee $25
    Supplementary Card Fee $0    
    Duplicate Statement Fee $3 Overseas ATM Balance Fee $5
    Transaction Verification Fee $0 Overseas ATM Withdrawl Fee $5
    Over Limit Fee $30 Overseas Emergency Card Replacement Fee $175
     

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    * For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

    American Express® is a registered trademark of American Express Company.
    Visa® is a registered trademark of Visa International Services Association.
    The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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    Our Take On This Card
    Pros
    • Low ongoing purchase and cash advance rate
    • 55 Interest Free Days
    • No charge for additional cardholders
    Summary

    Community First Credit Unions Low Rate Visa has a low ongoing purchase and cash advance rate, with the benefit of interest free days and additional cardholders at no cost. This is a card suitable for getting on top of your finances.