Visa Signature Rewards from Y-12 Federal Credit Union Review

All benefits

• Cash back
  • 3% On all purchases (minimum 1.5% Cash Back).
• Travel
  • Auto Rental Collision Damage Waiver:
  • Reimburses you for damages caused by theft or collision.
  • Travel Accident Insurance:
  • Up to $1,000,000.
  • Lost Luggage Reimbursement:
  • You can be reimbursed for the difference between the “value of the amount claimed” and the Common Carrier’s payment up to $3,000 per Covered Trip (for New York residents, coverage is limited to two thousand dollars ($2,000.00) per bag), provided the Checked Luggage and/or Carry-on Baggage and/or its contents was lost due to theft or misdirection by the Common Carrier.

Rate and fee information

• Purchase Intro APR
  • 0% Interest for 12 Months on Purchases
• Purchase APR
  • 16.74% - 18.00% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 16.74% - 18.00% Variable
• APR for Cash Advances
  • 16.74% - 18.00% Variable
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

Pros & Cons

Features

• 0% Intro APR
• No Annual Fee
• No foreign transaction fees
• Cashback
• Rewards
• Purchase Protection
• Lost Luggage Reimbursement
• Auto Rental Insurance
• Good Credit
• Excellent Credit