SuperMoney
This product is no longer available to new customers.
  Cobalt Credit Union Classic Visa Credit Card

Not Currently Available

Cobalt Credit Union Classic Visa Credit Card

Not Currently Available

Cobalt Credit Union Classic Visa Credit Card

Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 19 reviews
Highlights
Purchase APR  (Variable APR) 9.75% - 17.99%
Balance Transfer APR  (Variable APR) 9.75% - 17.99%
Credit Score Range 600 - 850
Annual Fee $0

Cobalt Credit Union Classic Visa Credit Card Review

Cobalt Credit Union Classic Visa Credit Card is no longer available to new customers on SuperMoney.

Click here to compare Credit Cards and quickly find the best options for your needs.

This is a card issued by Cobalt Credit Union. If you're wondering whether Cobalt Classic Visa is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Cobalt Credit Union Classic Visa Credit Card has a variable purchase APR that ranges from 9.75% up to 17.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Cobalt Classic Visa

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • No annual fee.
  • Considers applicants with fair credit.
  • Cobalt Credit Union Classic Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Cobalt Classic Visa FAQ

Does Cobalt Classic Visa have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Cobalt Classic Visa benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Cobalt Classic Visa?

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.

Cobalt Credit Union Classic Visa Credit Card has a variable purchase APR that ranges from 9.75% up to 17.99%. The card has a variable balance transfer APR that ranges from 9.75% up to 17.99%. It also has a variable cash advance APR that ranges from 12.75% up to 17.99%. Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Cobalt Classic Visa have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of up to 6 months.

Cobalt Credit Union Classic Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.75% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Cobalt Classic Visa 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 Cobalt Classic Visa?

The following fees apply:

Cobalt Classic Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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

Does Cobalt Classic Visa have a foreign transaction fee?

Cobalt Classic Visa 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.

What is the customer service phone number for Cobalt Classic Visa?

The Cobalt Classic Visa customer service number is (800) 228-0392.

What is the support contact email for Cobalt Classic Visa?

The support contact email for Cobalt Classic Visa is contactcenter@cobaltcu.com.

What is the Cobalt Classic Visa login page?

You can access the Cobalt Classic Visa login page here.

How do people rate the customer service and user experience of Cobalt Classic Visa?

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

Does Cobalt Credit Union Classic Visa Credit Card report your account activity to credit bureaus?

Yes, Cobalt Credit Union Classic 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 Cobalt Classic Visa

  • Visit the Cobalt Classic Visa 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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Cobalt Credit Union

Icon for Credit Cards
View all credit cards offered by Cobalt Credit Union

Availability

  Available in 2 states
  • Iowa
  • Nebraska

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 12.75% - 17.99%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Credit Limit Up to $20,000
Penalty APR (Variable APR) 17.99%
Purchase APR (Variable APR) 9.75% - 17.99%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.75% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
Card Network Visa

Be the first to rate

 

Would you recommend Cobalt Credit Union Classic Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Check out this Credit Cards option instead:

Cobalt Credit Union Credit Cards

Loading...