Community First Bank n0w Credit Card

Community First Bank n0w Credit Card

Highlights

  • No interest on purchases or cash advances (cash advance fee applies).
  • Choice of three credit limits each with a different monthly fee.
  • Minimum repayment of 2.5% of the closing balance of your statement or $20 (whichever is greater).

Pros and cons

Pros

  • No interest on purchases or cash advances.
  • Low monthly fee starting from $9.
  • No annual fee or late payment fee.

Cons

  • Repayments aren't in fixed instalments like with Afterpay.
  • There's a $3 cash advance fee (but no interest).
  • The maximum credit limit isn't very high, but some will see the benefit in that.

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The basics

  • Additional cardholders. Additional cardholders are not supported for this card.
  • Digital wallets. This card does not support digital wallet technologies.
  • Gambling transactions. Community First do not allow this card to be used for gambling-related transactions.

Rewards and benefits

  • Complimentary travel insurance. The Community First n0w Credit Card does not come with complimentary international travel insurance coverage.
  • Concierge services. The Community First CU n0w Credit Card does not offer a concierge service.
  • Rewards points. This credit card does not have a rewards program but offers 55 interest-free days on purchases.
  • Sign up bonus. There is no sign up bonus on offer for this card.

Rates and fees

  • Annual fee. Instead of an annual fee, this card charges a monthly fee. Pay $9 a month if your credit limit is $1,000, $14 for a $2,000 limit, and $19 if your credit limit is $3,000. However, the monthly fee is waived if your account has a $0 balance and if you don't use your card during the entire calendar month.
  • Balance transfers. This credit card does not offer a balance transfer option.
  • Cash advances. Community First does not offer cash advances with their n0w Credit Card. There is no cash advance fee for this card.
  • Foreign exchange fee. There are no foreign transaction fees for overseas or online purchases with this card.
  • Interest-free period. This card does not offer an interest-free period.
  • Purchases. All purchases made with this card will be free from interest since it is a no interest card.
Nilooka Dissanayake

Reviewed by Nilooka Dissanayake

Writer

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