Chartway Federal Credit Union Visa® Rewards Credit Card Review

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

• Competitive APRs. Chartway Federal Credit Union Visa® Rewards Credit Card has a variable purchase APR that ranges from 6.99% up to 17.89%.
• 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.

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 purchases everywhere Chartway Federal Credit Union Visa® Rewards Credit Card is accepted. Chartway Federal Credit Union Visa® Rewards Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Does not include many credit card benefits.

Is there a Chartway Federal Credit Union Visa® Rewards Credit Card cash back or rewards program?

Chartway Federal Credit Union Visa® Rewards Credit Card offers a rewards program to its customers.

Chartway Federal Credit Union Visa® Rewards Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Chartway Federal Credit Union Visa® Rewards Credit Card benefits?

Chartway Federal Credit Union Visa® Rewards Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Chartway Federal Credit Union Visa® Rewards 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. Chartway Federal Credit Union Visa® Rewards Credit Card has lower than average purchase APRs.

Chartway Federal Credit Union Visa® Rewards Credit Card has a variable purchase APR that ranges from 6.99% up to 17.89%. The card has a variable balance transfer APR that ranges from 6.99% up to 17.89%. It also has a variable cash advance APR that ranges from 6.99% up to 17.89%.

What are the fees for Chartway Federal Credit Union Visa® Rewards Credit Card?

The following fees apply to Chartway Federal Credit Union Visa® Rewards Credit Card:

• There is no overlimit fee

Chartway Federal Credit Union Visa® Rewards Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $15
Late Payment Fee	up to $29

Does Chartway Federal Credit Union Visa® Rewards Credit Card report your account activity to credit bureaus?

Yes, Chartway Federal Credit Union Visa® Rewards 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 Chartway Federal Credit Union Visa® Rewards Credit Card

• Visit the Chartway Federal Credit Union Visa® Rewards 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.