Coastal Federal Credit Union Rewards Visa Credit Card Review

Coastal Federal Credit Union Rewards Visa Credit Card 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 is everything you need to know 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

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. 0% APR on new purchases during the first 6 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Travel assistance insurance Cardholders can earn rewards on purchases everywhere Coastal Federal Credit Union Rewards Visa Credit Card is accepted. Coastal Federal Credit Union Rewards Visa Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Charges a 3.00% balance transfer fee.

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

Coastal Federal Credit Union Rewards Visa Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Coastal Federal Credit Union Rewards Visa Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Coastal Federal Credit Union Rewards Visa Credit Card Rewards

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

What are the Coastal Federal Credit Union Rewards Visa Credit Card benefits?

Coastal Federal Credit Union Rewards Visa Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Coastal Federal Credit Union Rewards Visa Credit Card has lower than average purchase APRs.

Coastal Federal Credit Union Rewards Visa Credit Card 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.

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

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

Coastal Federal Credit Union Rewards Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25.00
Late Payment Fee	up to $25.00

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.