Last Updated: 07/28/2025
Charter Oak FCU Visa® Platinum Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
13.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
13.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Charter Oak FCU Visa® Platinum Credit Card Review
This is a rewards card issued by Charter Oak Federal Credit Union. If you're wondering whether Charter Oak FCU Visa® Platinum Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Charter Oak FCU 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 up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Charter Oak FCU Visa® Platinum Credit Card
| The Good | The Bad |
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Charter Oak FCU Visa® Platinum Credit Card FAQ
Does Charter Oak FCU Visa® Platinum Credit Card have a cash back or rewards program?
Charter Oak FCU Visa® Platinum Credit Card is a rewards card. This card features rewards for purchases in the following categories:
| Description |
Does Charter Oak FCU Visa® Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Charter Oak FCU Visa® Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Charter Oak FCU Visa® Platinum Credit Card benefits?
Charter Oak FCU Visa® Platinum Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Charter Oak FCU 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.Charter Oak FCU 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 FCU 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 Charter Oak FCU 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 Charter Oak FCU Visa® Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance 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 Charter Oak FCU Visa® Platinum Credit Card have a foreign transaction fee?
Charter Oak FCU Visa® Platinum Credit Card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Charter Oak FCU Visa® Platinum Credit Card?
The customer service number for Charter Oak FCU Visa® Platinum Credit Card is (860) 446-8085.
What is the support contact email for Charter Oak FCU Visa® Platinum Credit Card?
The support contact email for Charter Oak FCU Visa® Platinum Credit Card is callcenter@cofcu.com.
How do people rate the customer service and user experience of Charter Oak FCU Visa® Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Charter Oak FCU Visa® Platinum Credit Card report your account activity to credit bureaus?
Yes, Charter Oak FCU 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 Charter Oak Federal Credit Union perform a hard credit pull?
Yes, Charter Oak FCU 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 Charter Oak FCU Visa® Platinum Credit Card
- Visit the website of Charter Oak FCU 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.
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.
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
Other Services by Charter Oak Federal Credit Union
Other Credit Cards from Charter Oak Federal Credit Union
Rating not yet determined
Purchase APR
9.25%
Disclaimer popup with additional information
Balance Transfer APR
9.25%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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