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  Charter Oak Federal Credit Union Visa® Platinum Credit Card

Charter Oak Federal Credit Union Visa® Platinum Credit Card

in Personal Credit Cards from Charter Oak Federal Credit Union

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Charter Oak Federal Credit Union Visa® Platinum Credit Card

Unaffiliated

in Personal Credit Cards from Charter Oak Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) 13.99
Balance Transfer APR  (Fixed APR) 13.99
Credit Score Range 600 - 850
Annual Fee 0

Charter Oak Federal Credit Union Visa® Platinum Credit Card Review

Charter Oak Federal Credit Union Visa® Platinum Credit Card is a rewards credit card issued by Charter Oak Federal Credit Union. If you're wondering whether Charter Oak Federal Credit Union Visa® Platinum Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Charter Oak Federal Credit Union Visa® Platinum Credit Card has a fixed purchase APR of 13.99%
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Charter Oak Federal Credit Union Visa® Platinum Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Charter Oak Federal Credit Union Visa® Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Charter Oak Federal Credit Union Visa® Platinum Credit Card FAQ

Is there a Charter Oak Federal Credit Union Visa® Platinum Credit Card cash back or rewards program?

Charter Oak Federal Credit Union Visa® Platinum Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

Charter Oak Federal Credit Union Visa® Platinum Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Charter Oak Federal Credit Union Visa® Platinum Credit Card have a signup bonus?

Charter Oak Federal Credit Union Visa® Platinum Credit Card doesn't offer a cash signup bonus.

Does Charter Oak Federal Credit Union Visa® Platinum Credit Card offer an annual loyalty bonus?

Charter Oak Federal Credit Union Visa® Platinum Credit Card doesn't offer a cash loyalty bonus.

What are the Charter Oak Federal Credit Union Visa® Platinum Credit Card benefits?

Charter Oak 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 Charter Oak Federal Credit Union Visa® Platinum Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Charter Oak Federal Credit Union Visa® Platinum Credit Card has lower than average purchase APRs.

Charter Oak Federal Credit Union Visa® Platinum Credit Card has a fixed purchase APR of 13.99%. The card has a fixed balance transfer APR of 13.99% . It also has a fixed cash advance APR of 13.99% .

Does Charter Oak Federal Credit Union Visa® Platinum Credit Card have an introductory APR offer on balance transfers?

No, Charter Oak Federal Credit Union Visa® Platinum Credit Card does not come with an introductory APR offer for balance transfers.

Does Charter Oak Federal Credit Union Visa® Platinum Credit Card have an introductory APR offer on new purchases?

Charter Oak Federal Credit Union Visa® Platinum Credit Card does not offer an introductory rate on new purchases.

What are the fees for Charter Oak Federal Credit Union Visa® Platinum Credit Card?

The following fees apply to Charter Oak Federal Credit Union Visa® Platinum Credit Card:

Charter Oak Federal Credit Union Visa® Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Charter Oak Federal Credit Union Visa® Platinum Credit Card have a foreign transaction fee?

Charter Oak Federal Credit Union Visa® Platinum Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Charter Oak Federal Credit Union Visa® Platinum Credit Card report your account activity to credit bureaus?

Yes, Charter Oak Federal Credit Union Visa® Platinum Credit Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Charter Oak Federal Credit Union Visa® Platinum Credit Card

  • Visit the Charter Oak Federal Credit Union Visa® Platinum Credit Card website.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:00pm

About Charter Oak Federal Credit Union Visa® Platinum Credit Card

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View all personal credit cards offered by Charter Oak Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum 0
Cash Advance Fee (%) 0
Minimum Cash Advance Fee ($) 0
No Annual Fee
Annual Fee 0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1
Returned Payment Fee Up to 25
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Travel
Cash Advance APR (Fixed APR) 13.99
Balance Computation "Average daily balance (including new purchases)."
Purchase APR (Fixed APR) 13.99
Balance Transfer Fee % After Intro Period 0
Balance Transfer APR (Fixed APR) 13.99
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Rewards
  • Low Interest
Card Network Visa

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