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  Chartway FCU Visa® Rewards Credit Card
Chartway FCU Visa® Rewards Credit Card Unaffiliated

Chartway FCU Visa® Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 8.99% - 17.89%
Balance Transfer APR  (Variable APR) 8.99% - 17.89%
Credit Score Range 650 - 850
Annual Fee $0

Chartway FCU Visa® Rewards Credit Card Review

This is a cashback card issued by Chartway Federal Credit Union. If you're wondering whether Chartway FCU Visa® Rewards Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Chartway FCU Visa® Rewards Credit Card has a variable purchase APR that ranges from 8.99% up to 17.89%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Chartway FCU Visa® Rewards Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Chartway FCU Visa® Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.

Chartway FCU Visa® Rewards Credit Card FAQ

Does Chartway FCU Visa® Rewards Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

Chartway FCU Visa® Rewards Credit Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Chartway FCU Visa® Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Chartway FCU Visa® Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Chartway FCU Visa® Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Cell Phone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Chartway FCU Visa® Rewards 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.

Chartway FCU Visa® Rewards Credit Card has a variable purchase APR that ranges from 8.99% up to 17.89%. The card has a variable balance transfer APR that ranges from 8.99% up to 17.89%. It also has a variable cash advance APR that ranges from 8.99% up to 17.89%.

Does Chartway FCU Visa® Rewards Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Chartway FCU Visa® Rewards 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 Chartway FCU Visa® Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
Chartway FCU Visa® Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $15
Late Payment Fee up to $29

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Chartway FCU Visa® Rewards Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Chartway FCU Visa® Rewards Credit Card?

The Chartway FCU Visa® Rewards Credit Card customer service number is (800) 678-8765.

What is the support contact email for Chartway FCU Visa® Rewards Credit Card?

The support contact email for Chartway FCU Visa® Rewards Credit Card is emailus@chartway.com.

What is the Chartway FCU Visa® Rewards Credit Card login page?

You can access the Chartway FCU Visa® Rewards Credit Card login page here.

How do people rate the customer service and user experience of Chartway FCU Visa® Rewards Credit Card?

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

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

Yes, Chartway FCU 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 FCU Visa® Rewards Credit Card

  • Visit the Chartway FCU 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.

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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 - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

About Chartway FCU Visa® Rewards Credit Card

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View all credit cards offered by Chartway Federal Credit Union

Availability

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

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $15
Late Fee Amount Up to $29
Customer Type Personal
Minimum Age 18
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Concierge
Rewards Categories
  • Travel
  • Airfare
  • Car Rentals
  • Furniture
  • Hotels
  • Software, Hardware, Cloud
  • Select Merchants
Cash Advance APR (Variable APR) 8.99% - 17.89%
APR Type Variable APR
Balance Computation "Average daily balance (including new purchases).
Purchase APR (Variable APR) 8.99% - 17.89%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Variable APR) 8.99% - 17.89%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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