Coastal FCU Signature Visa Credit Card

Coastal FCU Signature Visa Credit Card Review

This is a rewards credit card issued by Coastal Federal Credit Union. If you're wondering whether Coastal FCU Signature Visa Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Competitive APRs. Coastal FCU Signature Visa Credit Card has a variable purchase APR that ranges from 13.50% up to 18.00%.
• 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.
• 3.00% Balance transfer fee. Coastal FCU Signature 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.
• 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 rental insurance, access to a concierge, emergency support, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Coastal FCU Signature Visa Credit Card

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Travel accident and travel assistance insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. Coastal FCU Signature Visa Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a 3.00% balance transfer fee.

Coastal FCU Signature Visa Credit Card FAQ

Does Coastal FCU Signature Visa Credit Card have a cash back or rewards program?

Coastal FCU Signature Visa Credit Card is a rewards card.

Coastal FCU Signature Visa Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Coastal FCU Signature Visa Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Coastal FCU Signature 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. This card has lower than average regular APRs.

Coastal FCU Signature Visa Credit Card has a variable purchase APR that ranges from 13.50% up to 18.00%. The card has a variable balance transfer APR that ranges from 13.50% up to 18.00%. It also has a variable cash advance APR of 18.00% .

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 FCU Signature Visa Credit Card?

The following fees apply:

Coastal FCU Signature Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
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 rewards card.

Does Coastal FCU Signature Visa Credit Card report your account activity to credit bureaus?

Yes, Coastal FCU Signature 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 FCU Signature Visa Credit Card

• Visit the Coastal FCU Signature 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.