Premier America Credit Union Visa Signature Credit Card – Is the Card Worth It?

Are you looking for a credit card that offers an unbeatable combination of rewards, benefits, and low rates? Look no further than the Premier America Credit Union Visa Signature Credit Card.

Premier America Credit Union Visa Signature Credit Card

This premium card is designed to provide cardholders with a superior experience, whether you’re making everyday purchases or planning a dream vacation. In this post, we’ll take you through the features, benefits, rates, fees, and everything else you need to know about this exceptional credit card.

Benefits of the Premier America Credit Union Visa Signature Credit Card

The Premier America Credit Union Visa Signature Credit Card is packed with advantages that make it stand out from the crowd. Here are some of the key benefits:

Lucrative Rewards Program

  • Earn 1.5 points for every $1 spent on eligible purchases
  • Redeem points for travel, merchandise, gift cards, and more
  • No point limits or expiration dates

Travel Perks

  • Travel Accident Insurance up to $500,000
  • Lost, Damaged, or Delayed Baggage Insurance up to $1,500
  • Trip Cancellation/Interruption Insurance up to $1,500
  • Airport Concierge service at over 700 destinations worldwide

Shopping Protections

  • Purchase Assurance: covers theft, damage, or loss up to $1,000 per claim
  • Satisfaction Guarantee: reimbursement up to $250 per claim for unsatisfactory purchases

Security Features

  • ID Theft Resolution service monitors for potential fraud
  • MasterRental® coverage up to $50,000 for rental car damage
  • Mastercard Global Service for lost/stolen card assistance

Exclusive Cardholder Benefits

As a Premier America Credit Union Visa Signature cardholder, you’ll gain access to exclusive benefits and discounts designed to enhance your experience:

  • Complimentary 24/7 concierge service
  • Special retail and dining discounts
  • Access to presale event tickets
  • Luxury hotel benefits and upgrades

Features of the Premier America Credit Union Visa Signature Credit Card

In addition to the fantastic benefits, the Premier America Credit Union Visa Signature Credit Card offers a range of features that make it a top choice for savvy consumers:

  • 0% Introductory APR on purchases for the first six months
  • No annual fee
  • No balance transfer fee
  • No over-limit fee
  • No foreign transaction fees

Rates and Costs

While the Premier America Credit Union Visa Signature Credit Card offers numerous benefits and features, it’s important to understand the associated rates and costs:

  • After the introductory period, a competitive fixed APR will apply (based on creditworthiness)
  • Late payment fees and other standard credit card fees may apply

Credit Limit and Eligibility Requirements

The Premier America Credit Union Visa Signature Credit Card is a premium card reserved for creditworthy individuals who meet certain eligibility requirements:

  • Excellent credit score (typically 720 or above)
  • Verifiable income and employment history
  • Maximum credit limits based on individual creditworthiness

How to Apply for the Premier America Credit Union Visa Signature Credit Card

Applying for the Premier America Credit Union Visa Signature Credit Card is a straightforward process. Here are the steps:

  • Visit the Premier America Credit Union website or your nearest branch
  • Click on the “Apply Now” button for the Visa Signature Credit Card
  • Complete the online application form with your personal and financial information
  • Apply and wait for approval

How to Activate Your Premier America Credit Union Visa Signature Credit Card

Once your application is approved and you receive your new Premier America Credit Union Visa Signature Credit Card, you’ll need to activate it before use. Here’s how:

  • Locate the activation sticker on your new card
  • Call the toll-free number provided on the sticker
  • Follow the automated prompts to activate your card securely

How to Login

Premier America Credit Union offers online and mobile banking platforms, allowing you to manage your Visa Signature Credit Card account conveniently:

  • Visit the Premier America Credit Union website or download their mobile app
  • Click on the “Login” button and enter your credentials
  • If you’ve forgotten your login details, click on the “Forgot Username/Password” link for assistance

How to Make Payments on Your Premier America Credit Union Visa Signature Credit Card

Staying on top of your credit card payments is essential for maintaining a good credit score and avoiding late fees. Below are some common ways to make payments on your Premier America Credit Union Visa Signature credit card:

Online Bill Pay

You can make payments online through Premier America Credit Union’s online banking platform using https://www.premieramerica.com Log in to your account and navigate to the bill pay section to make a one-time payment or set up automatic recurring payments.

Mobile App

If you have Premier America Credit Union’s mobile app installed on your smartphone or tablet, you can make credit card payments conveniently through the app.

By Phone

Call the credit union’s customer service number ( 1-818-772-4000 ) and follow the prompts to make a payment over the phone using your credit card information or your checking/savings account details.

By Mail

You can send a check or money order payable to Premier America Credit Union along with your credit card account number and payment stub to the remittance address provided on your monthly statement.

In Person

Visit any Premier America Credit Union branch location and make your credit card payment in person with a teller.

Automatic Transfer

Set up an automatic payment transfer from your Premier America checking or savings account to your credit card account regularly.

Be sure to make at least the minimum payment due by the due date to avoid late fees and potential negative impacts on your credit score. Paying more than the minimum when possible will help reduce your overall interest costs.

Is the Card Worth It?

With its impressive array of benefits, features, and rewards, the Premier America Credit Union Visa Signature Credit Card is undoubtedly a top contender in the premium credit card market. However, it’s essential to evaluate whether this card aligns with your spending habits and financial goals to determine if it’s truly worth it for you.

If you’re a frequent traveler or someone who values travel perks, the card’s robust travel insurance coverage, airport concierge services, and travel accident insurance make it an attractive option. Additionally, the ability to earn 1.5 points per dollar spent on all purchases, with no point limits or expiration dates, can quickly accumulate substantial rewards for flights, hotels, and more.

For those who prioritize shopping protections, the Purchase Assurance and Satisfaction Guarantee features provide valuable coverage against theft, damage, and unsatisfactory purchases. The MasterRental coverage and Mastercard Global Service also offer peace of mind when renting cars or dealing with lost or stolen cards while traveling.

Conclusion

The Premier America Credit Union Visa Signature Credit Card is a fantastic choice for anyone seeking a rewarding and feature-rich credit card experience. With its generous rewards program, valuable travel and shopping protections, exclusive cardholder benefits, and competitive rates, this card offers unbeatable value.

Whether you’re a frequent traveler, avid shopper, or simply looking for a reliable credit card, the Premier America Credit Union Visa Signature Credit Card is an excellent option to consider.

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