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  Coastal FCU Signature Visa Credit Card
Coastal FCU Signature Visa Credit Card Unaffiliated

Coastal FCU Signature Visa Credit Card

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Highlights
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 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. This review will provide you with with all the details you need to make a good choice.

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 11.25% 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 purchases everywhere Coastal FCU Signature Visa Credit Card is accepted.
  • 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

Does Coastal FCU Signature Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Coastal FCU Signature Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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 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 18.00% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Coastal FCU Signature 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 12 months.

Coastal FCU Signature Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.25% - 18.00%
Balance Transfer Fee Minimum $5.00
Balance Transfer Fee % 3.00%

Does Coastal FCU Signature Visa 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 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 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 Coastal FCU Signature Visa Credit Card?

The Coastal FCU Signature Visa Credit Card customer service number is (800) 868-4262.

What is the support contact email for Coastal FCU Signature Visa Credit Card?

The support contact email for Coastal FCU Signature Visa Credit Card is supervisoryc@coastal24.com.

What is the Coastal FCU Signature Visa Credit Card login page?

You can access the Coastal FCU Signature Visa Credit Card login page here.

How do people rate the customer service and user experience of Coastal FCU Signature Visa Credit Card?

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

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 7:00am - 7:00pm
  • Tuesday 7:00am - 7:00pm
  • Wednesday 7:00am - 7:00pm
  • Thursday 7:00am - 7:00pm
  • Friday 7:00am - 7:00pm
  • Saturday 7:00am - 7:00pm

Other Services by Coastal Federal Credit Union

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View all credit cards offered by Coastal Federal Credit Union

Availability

  Available in 1 state
North Carolina
Availabile in all of North Carolina

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5.00
Cash Advance Fee (%) Up to 3.00%
Minimum Cash Advance Fee ($) Starting at $5.00
Returned Payment Fee Up to $25.00
Late Fee Amount Up to $25.00
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
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 18.00%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.25% - 18.00%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.25% - 18.00%
Balance Transfer Fee Minimum $5.00
Balance Transfer Fee % 3.00%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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