Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card
in Personal Credit Cards from Charter Oak Federal Credit Union
UnaffiliatedCharter Oak Federal Credit Union Visa® Platinum Variable Credit Card
in Personal Credit Cards from Charter Oak Federal Credit Union
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| Purchase APR (Variable APR) | 9.25 |
| Balance Transfer APR (Variable APR) | 9.25 |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card Review
This is a rewards credit card issued by Charter Oak Federal Credit Union. If you're wondering whether Charter Oak Federal Credit Union Visa® Platinum 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.
- Competitive APRs. Charter Oak Federal Credit Union Visa® Platinum 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.
| The Good | The Bad |
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Does Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card have a cash back or rewards program?
Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card is a rewards card. This card features rewards for purchases in the following categories:
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Charter Oak Federal Credit Union Visa® Platinum 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 Federal Credit Union Visa® Platinum 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. It has lower than average regular APRs.It 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 Federal Credit Union Visa® Platinum 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 Federal Credit Union Visa® Platinum 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 Federal Credit Union Visa® Platinum Variable Credit Card?
The following fees apply:
| 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 Federal Credit Union Visa® Platinum Variable Credit Card have a foreign transaction fee?
Charter Oak Federal Credit Union Visa® Platinum 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 customer service phone number for Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card?
The Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card customer service number is (860) 446-8085.
What is the support contact email for Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card?
The support contact email for Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card is callcenter@cofcu.com.
Does Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card report your account activity to credit bureaus?
Yes, Charter Oak Federal Credit Union Visa® Platinum 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 Federal Credit Union Visa® Platinum Variable Credit Card
- Visit the Charter Oak Federal Credit Union Visa® Platinum 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.
Contact
- Headquarters
-
1055 Hartford Turnpike
Waterford, CT 06385 - (860) 446-8085
- Visit Site
- Email Support
About Charter Oak Federal Credit Union Visa® Platinum Variable Credit Card
Availability
- 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 |
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