2% cashback on all purchases + a gold and black card… Do you need another reason to apply?
So, the card’s design might make me slightly biased, so let’s look at the pros and cons before making a decision.
First off Inspirus Credit Union is promoted by University of Washington for its employees. Take that as you will, but you need to work/worship/live/ or go to school in the state of Washington to be able to apply. So, if you don’t meet those requirements, take a look at our other credit card reviews: Click Me
What are the benefits?
- 2% cashback on all purchases
- No annual or foreign transaction fees
- Visa Signature benefits such as free concierge, price matching, etc
- The card looks sexy
- Read #4
Sorry, but I had to mention how sexy the card was again. So how does it stack up against other credit cards?: This seems like 0 hassle card with its benefits and fees laid out for you. Very simple, make your payments on time, get 2% cashback, and get Visa Signature benefits.
What’s the variable apr?: 9.50% – 15.50% based on your credit worthiness
Is there an introductory signup offer?: No
So is this card worth it?:
Meet the location requirements? Yea this card is pretty good, even better than some of the larger banks premier credit cards. The only draw backs are that Inspirus is a credit union, This will not be an easy card to be approved for (so I would only recommend applying if your credit score is over 720)*, and there is no introductory signup bonus. Other than that the benefits are solid and you do end up supporting a local business, so yes this card is worth it. (2% cashback is always nice)
Apply here: https://www.inspiruscu.org/visa-signature-card/
(Note: You also probably need to make at least $20,000+ to be approved, so in terms of student credit cards, this is unobtainable for most college students.)
Tags: 2% Cashback, Visa Signature, Price Matching, Inspirus Credit Union
Edit: Sherry Lotze made a comment regarding how obtainable the card is, I will not edit my original words, but take what she said into consideration.