Coastal Federal Credit Union Rewards Visa Credit Card
in Personal Credit Cards from Coastal Federal Credit Union
UnaffiliatedCoastal Federal Credit Union Rewards Visa Credit Card
in Personal Credit Cards from Coastal Federal Credit Union
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| Purchase APR (Variable APR) | 11.25% - 18.00% |
| Balance Transfer APR (Variable APR) | 11.25% - 18.00% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Coastal Federal Credit Union Rewards Visa Credit Card Review
This is a cashback credit card issued by Coastal Federal Credit Union. If you're wondering whether Coastal Federal Credit Union Rewards Visa 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.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- Competitive APRs. Coastal Federal Credit Union Rewards Visa Credit Card has a variable purchase APR that ranges from 11.25% up to 18.00%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
- 3.00% Balance transfer fee. Coastal Federal Credit Union Rewards Visa Credit Card charges a fee of 3.00% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.00.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above650.
| The Good | The Bad |
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Does Coastal Federal Credit Union Rewards Visa 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% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Coastal Federal Credit Union Rewards Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Coastal Federal Credit Union Rewards Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Coastal Federal Credit Union Rewards Visa Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Coastal Federal Credit Union Rewards Visa 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 that ranges from 11.25% up to 18.00%. The card has a variable balance transfer APR that ranges from 11.25% up to 18.00%. It also has a variable cash advance APR of 18% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Coastal Federal Credit Union Rewards Visa Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 11.25% - 18.00% |
| Balance Transfer Fee Minimum | $5.00 |
| Balance Transfer Fee % | 3.00% |
Does Coastal Federal Credit Union Rewards Visa Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Coastal Federal Credit Union Rewards Visa Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25.00 |
| Late Payment Fee | up to $25.00 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Coastal Federal Credit Union Rewards Visa Credit Card have a foreign transaction fee?
Coastal Federal Credit Union Rewards Visa 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.Does Coastal Federal Credit Union Rewards Visa Credit Card report your account activity to credit bureaus?
Yes, Coastal Federal Credit Union Rewards Visa 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 Coastal Federal Credit Union Rewards Visa Credit Card
- Visit the Coastal Federal Credit Union Rewards Visa 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
-
1000 Saint Albans Dr
Ste 250
Raleigh, NC 27609 - Visit Site
Other Services by Coastal Federal Credit Union
Availability
Feature Breakdown
| Every Purchase (Points) | 1 |
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