| Rewards | Earn up to 1 point per $1 spent on purchases. Example reward structure: 2 points per $1 on gas 1 point per $1 on groceries and entertainment 1 point per $1 on all other purchases |
|---|---|
| Signup Bonus | 10,000 bonus points after spending $1,000 within the first 90 days of opening the account. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 12.24% – 31.24% variable APR |
| Cash Advance Fee | Either $5 or 3%–5% of the advance amount (whichever is greater) |
| Late Payment Fee | Up to $41 |
| Purchases APR | 12.24% – 31.24% variable APR, depending on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Community Alliance Visa Credit Card (Michigan) is a straightforward credit union card known for its no annual fee, simple rewards on everyday purchases, and relatively competitive APR for qualified members. It’s not packed with flashy perks, but it aims to provide solid value for credit union members who want a basic rewards card.
Most users say they appreciate the simplicity of the rewards program and the fact that there’s no annual fee eating into the value of those points. Many reviewers mentioned that customer service through the credit union is friendly and easy to reach, which is a big plus compared to some large national banks. Cardholders also like that it’s a reliable everyday spending card, especially for gas and grocery purchases.
On the downside, many reviewers mentioned the rewards rate is fairly modest, especially compared to newer cash-back cards offering 2% or more on everything. Some users also point out that the perks and signup bonuses are limited, and the card doesn’t really stand out for travel or premium benefits.
Personally, I think this card works best for existing credit union members who want a simple, low-fee rewards card. But if you’re chasing higher cash-back rates or bigger signup bonuses, there are stronger options out there.
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For everyday card
This card is simple to use and they offer steady rewards on daily purchases. Account management is easy and customer service has been supportive. It doesn't have luxury perks, but for reliable spending and community banking, it's a solid choice
