Y-12 Visa Signature Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
The Y-12 Visa Signature Credit Card is a solid rewards credit card from Y-12 Federal Credit Union in Tennessee. While the card earns reward points towards the CU Rewards program, it also functions as a capable balance transfer card, thanks to its typical low APR. The card has no annual fee, no foreign transaction fees, and no fees for balance transfers or cash advances.
Our review of the Y-12 Visa Signature Credit Card
If you’re in the market for a top-tier credit card, the Y-12 Visa Signature from Y-12 Federal Credit Union is worth considering. With a generous starting credit limit of $5,000 and a low APR for purchases, balance transfers, and cash advances, this card is sure to make a positive impact on your credit score. Plus, there’s no annual fee to worry about.
Unfortunately, the Y-12 Visa Signature Rewards card doesn’t offer a signup bonus or introductory offers for new cardholders. However, you can earn 1 point per dollar spent, which can be redeemed for gift cards, merchandise, or cash through the CU Rewards program. While the earning rates may not be the best, the points have a standard industry value of 1¢ each when redeemed for cash.
In terms of other perks, the Y-12 Visa Signature card offers $1,000,000 in travel accident insurance coverage, auto rental collision damage protection, roadside assistance, and access to Visa Signature’s global concierge service and Luxury Hotel Collection.
Overall, the Y-12 Visa Signature Credit Card is a solid choice for those looking for a balance transfer card or for existing Y-12 Federal Credit Union members. However, if you’re in search of a rewards card with higher earning potential, there are better options available.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn up to 3% unlimited cash back
- 0% intro APR for 12 months
- $200 cash bonus after spending $1,000 in the first 90 days
- No annual fee
- No balance transfer fee
Who this card may suit
- You want to earn decent rewards for your every purchase
- You don’t want to pay an annual fee
- You're a member of the Y-12 FCU or live in Eastern Tennessee
- You plan on carrying a balance or want to pay down an existing credit card debt
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 16.49% to 18.00% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 16.49% to 18.00% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 16.49% to 18.00% variable based on creditworthiness and the Prime Rate |
| Late Payment Penalty Fee | Up to $25 |
| Return Payment Penalty Fee | Up to $29 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Y-12 Visa Signature Credit Card
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