First, let me start by saying I have rarely posted on Reddit, so if I somehow do this incorrectly, I apologize. I’ll assume that the mods will remove it.
I have been looking for an additional credit card, and reading all of the opinions and recommendations online and from the subs. I have not seen this one mentioned so I was going to put up what it provides then get a few opinions from those who are more knowledgeable than myself.
Earn 1.5 Rewards Points on every dollar spent, redeemable as travel, cash, retail gift cards or merchandise.
No annual fees
No foreign-transaction fees
No balance-transfer fees
No cash-advance fees
Cash advances at same rate as purchases
TSA PreCheck® or Global Entryfive-year membership for each cardholder
Trip Cancellation/Interruption Protection
Visa® Signature® Concierge 24/7 complimentary service
Offers and Perks
Overdraft coverage for your checking account
Visa’s® Zero Liability Protection against unauthorized transactions
Looking forward to hear what you think.
Opinions on Star One credit union’s signature visa
byu/RNBrook inCreditCards
Posted by RNBrook
5 Comments
Most county-specific CUs like this one aren’t going to get much attention on the internet. The card looks fine, though the fidelity 2% is better in most senses.
only benefit id say is free global entry. 1.5 is weak when you find plenty 2% cards out there. most small CU cards are usually not very competitive
I agree this card is just okay. The free TSA/GE credit is rare, but the card has nothing else interesting and no reason to take it over any 2% card that has no fees.
Although the no cash advance fees is interesting if you ever need that. Haven’t seen that before.
If I had this card it would be sock drawer for emergencies maybe.
Is it just 1.5% cash back? There are a lot of 2% credit cards, including ones from credit unions, with no AF and no FTF.
Is the APR genuinely 8% though? That seems extraordinarily low even by credit union standards. You normally never want to carry a balance on a card, and most people here would qualify for 0% intro APR cards anyways. But I’ve never seen a single digit CC APR
It’s an okay card. Suits needs if you want to stick with a credit union.
California based credit unions tend to have lower rates on cards in general. Usually 8-15%.