Andrews Federal Cash Back Rewards Visa: A Comprehensive Overview

The Andrews Federal Cash Back Rewards Visa is a credit card designed for individuals who value cashback rewards and a no-annual-fee structure. Issued by Andrews Federal Credit Union, this card offers a competitive rewards program, ideal for those who wish to maximize their spending efficiency. Below, we delve into the key attributes of this rewarding credit card.

Card Type

The Andrews Federal Cash Back Rewards Visa is primarily a cashback credit card. This type of card allows cardholders to earn cashback on their everyday purchases, making it an attractive option for consumers who prefer simplicity and straightforward rewards.

Annual Fee

One of the standout features of this credit card is that it comes with no annual fee. This lack of an annual fee allows users to enjoy their rewards without the burden of additional costs, making it a financially savvy choice for consumers.

Rewards Program

The rewards program is a significant highlight of the Andrews Federal Cash Back Rewards Visa. Cardholders earn 2% cashback on all eligible purchases made at gas stations and restaurants, and 1.5% cashback on all other purchases. The cashback rewards are automatically credited to the cardholders account, providing a seamless and hassle-free experience. Users can redeem their cashback for statement credits, gift cards, or even deposited into a bank account, thereby offering flexibility in how rewards are utilized.

Sign-Up Bonus

New cardholders can benefit from a lucrative sign-up bonus when they meet specific spending requirements. For instance, after spending $1,500 within the first three months of account opening, cardholders can receive a $150 cashback bonus. This attractive welcome offer is an excellent incentive to choose this credit card.

APR (Annual Percentage Rate)

The regular APR for the Andrews Federal Cash Back Rewards Visa varies based on the cardholders creditworthiness but typically ranges from 10.49% to 17.99%. Additionally, there is often an introductory APR offer of 0% for balance transfers for the first 12 months, providing an excellent opportunity for those looking to transfer higher-interest debt without incurring additional costs during the introductory period.

Foreign Transaction Fees

This card is particularly well-suited for frequent travelers, as it does not charge foreign transaction fees. This feature helps cardholders save money when using their card abroad, thus making international transactions more affordable.

Balance Transfer Options

The Andrews Federal Cash Back Rewards Visa offers competitive balance transfer options. Cardholders can transfer an existing balance from another credit card with a 0% APR for the first 12 months, with a standard balance transfer fee applicable. This offer can assist in managing existing debt effectively, providing significant savings on interest charges during the promotional period.

Additional Fees

While the card does not carry an annual fee, cardholders should be aware of several other important fees, including a late payment fee that typically ranges from $25 to $35 and a cash advance fee of either 3% or $10, whichever is greater. These fees are standard in the industry, so it is essential to make timely payments and avoid cash advances to maintain financial health.

Card Benefits and Perks

Beyond cashback rewards, the Andrews Federal Cash Back Rewards Visa presents a range of benefits and perks. These may include travel insurance, roadside assistance, and discounted services from partner merchants. Additionally, cardholders gain access to various shopping discounts and exclusive offers that can extend the value of their cashback rewards.

Customer Protections and Insurance

This card offers robust customer protections including fraud liability coverage, which protects cardholders from unauthorized transactions. Moreover, users benefit from purchase protection that covers theft or damage of eligible items within a specified period after purchase, and rental car insurance that provides peace of mind when renting vehicles.

Eligibility and Credit Score Requirements

To qualify for the Andrews Federal Cash Back Rewards Visa, applicants typically need a credit score in the range of 680 to 740. This range indicates that the card is tailored for individuals with good to excellent credit, which could help secure approvals at reasonable rates.

Introductory Offers

Alongside its appealing cashback program, the card currently provides an introductory offer of 0% APR on balance transfers for the first 12 months. This feature makes it particularly advantageous for those looking to consolidate debt and make the most of the cards offerings.

Special Features or Unique Selling Points

What distinguishes the Andrews Federal Cash Back Rewards Visa from other credit cards is its no foreign transaction fees and the straightforward cashback model, which allows users to earn rewards without complicated tier structures. Furthermore, the card may include promotional offers from merchants that increase the potential cashback rewards.

How to Apply

Applying for the Andrews Federal Cash Back Rewards Visa is easy and convenient. Interested individuals can submit an application online by visiting the UpCube.net and get started on your cashback journey by clicking