Last Updated: 07/28/2025
Cencap Federal Credit Union Visa Platinum Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
9.90%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
9.90%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Cencap Federal Credit Union Visa Platinum Credit Card Review
This is a rewards card issued by Cencap Federal Credit Union. If you're wondering whether Cencap Federal Credit Union Visa Platinum Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Cencap Federal Credit Union Visa Platinum Credit Card has a fixed purchase APR of 9.90%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Cencap Federal Credit Union Visa Platinum Credit Card
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Cencap Federal Credit Union Visa Platinum Credit Card FAQ
Does Cencap Federal Credit Union Visa Platinum Credit Card have a cash back or rewards program?
Cencap Federal Credit Union Visa Platinum Credit Card is a rewards card.
| Description |
Does Cencap Federal Credit Union Visa Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Cencap Federal Credit Union Visa Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Cencap Federal Credit Union Visa Platinum Credit Card benefits?
Cencap Federal Credit Union Visa Platinum Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Cencap Federal Credit Union Visa Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Cencap Federal Credit Union Visa Platinum Credit Card has a fixed purchase APR of 9.90%. The card has a fixed balance transfer APR of 9.90% . It also has a fixed cash advance APR of 14.99% .
Does Cencap Federal Credit Union Visa Platinum Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Cencap Federal Credit Union Visa Platinum Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Cencap Federal Credit Union Visa Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Cencap Federal Credit Union Visa Platinum Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Cencap Federal Credit Union Visa Platinum Credit Card?
The customer service number for Cencap Federal Credit Union Visa Platinum Credit Card is (860) 722-8110.
What is the support contact email for Cencap Federal Credit Union Visa Platinum Credit Card?
The support contact email for Cencap Federal Credit Union Visa Platinum Credit Card is info@cencap.com.
What is the login page for Cencap Federal Credit Union Visa Platinum Credit Card?
You can access the login page of Cencap Federal Credit Union Visa Platinum Credit Card here.
How do people rate the customer service and user experience of Cencap Federal Credit Union Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Cencap Federal Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, Cencap Federal Credit Union Visa Platinum Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Cencap Federal Credit Union perform a hard credit pull?
Yes, Cencap Federal Credit Union Visa Platinum Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Cencap Federal Credit Union Visa Platinum Credit Card
- Visit the website of Cencap Federal Credit Union Visa Platinum Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 4:00PM
Tuesday
8:00AM - 4:00PM
Wednesday
8:00AM - 4:00PM
Thursday
8:00AM - 5:30PM
Friday
8:00AM - 4:00PM
Saturday
8:00AM - 12:00PM