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  Charter Oak FCU Visa® Variable Credit Card
Charter Oak FCU Visa® Variable Credit Card
in Personal Credit Cards from Charter Oak Federal Credit Union
Unaffiliated

Charter Oak FCU Visa® Variable Credit Card

Unaffiliated
in Personal Credit Cards from Charter Oak Federal Credit Union
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Highlights
Purchase APR  (Variable APR) 9.25
Balance Transfer APR  (Variable APR) 9.25
Credit Score Range 600 - 850
Annual Fee $0

Charter Oak FCU Visa® Variable Credit Card Review

This is a rewards credit card issued by Charter Oak Federal Credit Union. If you're wondering whether Charter Oak FCU Visa® Variable Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Charter Oak FCU Visa® Variable Credit Card has a variable purchase APR of 9.25%
  • 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 odds if your credit score is above 600.
Pros & Cons of Charter Oak FCU Visa® Variable Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Charter Oak FCU Visa® Variable 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.
Charter Oak FCU Visa® Variable Credit Card FAQ

Does Charter Oak FCU Visa® Variable Credit Card have a cash back or rewards program?

Charter Oak FCU Visa® Variable Credit Card is a rewards card. This card features rewards for purchases in the following categories:

Charter Oak FCU Visa® Variable Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Charter Oak FCU Visa® Variable Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Charter Oak FCU Visa® Variable Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Charter Oak FCU Visa® Variable Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Charter Oak FCU Visa® Variable Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Charter Oak FCU Visa® Variable Credit Card has a variable purchase APR of 9.25%. The card has a variable balance transfer APR of 9.25% . It also has a variable cash advance APR of 9.25% .

Does Charter Oak FCU Visa® Variable 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® Variable 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® Variable Credit Card?

The following fees apply:

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

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® Variable Credit Card have a foreign transaction fee?

Charter Oak FCU Visa® Variable 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 foreign transaction fees.

What is the support contact email for Charter Oak FCU Visa® Variable Credit Card?

The support contact email for Charter Oak FCU Visa® Variable Credit Card is callcenter@cofcu.com.

How do people rate the customer service and user experience of Charter Oak FCU Visa® Variable Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Charter Oak FCU Visa® Variable Credit Card report your account activity to credit bureaus?

Yes, Charter Oak FCU Visa® Variable 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 FCU Visa® Variable Credit Card

  • Visit the Charter Oak FCU Visa® Variable 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 FCU Visa® Variable Credit Card

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

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
  • Travel Accident Insurance
Rewards Categories
  • Travel
Cash Advance APR (Variable APR) 9.25
Balance Computation "Average daily balance (including new purchases)."
Purchase APR (Variable APR) 9.25
Balance Transfer Fee % After Intro Period 0
Balance Transfer APR (Variable APR) 9.25
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Rewards
  • Low Interest
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.