Last Updated: 07/28/2025
Cobalt Credit Union Signature Real Rewards Visa Credit Card
Unaffiliated
in Credit Cards from Cobalt Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.49% - 27.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
17.49% - 27.49%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Cobalt Credit Union Signature Real Rewards Visa Credit Card Review
This is a cashback credit card issued by Cobalt Credit Union. If you're wondering whether Cobalt Credit Union Signature Real Rewards Visa Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- After your first purchase, you'll get 2,500 bonus rewards points.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.49% up to 27.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Cobalt Credit Union Signature Real Rewards Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Cobalt Credit Union Signature Real Rewards
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Cobalt Credit Union Signature Real Rewards FAQ
Does Cobalt Credit Union Signature Real Rewards 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.
| Description |
Does Cobalt Credit Union Signature Real Rewards have a signup bonus?
Yes. After your first purchase, you'll get 2,500 bonus rewards points.
Does Cobalt Credit Union Signature Real Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Cobalt Credit Union Signature Real Rewards benefits?
Cobalt Credit Union Signature Real Rewards Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Cobalt Credit Union Signature Real Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Cobalt Credit Union Signature Real Rewards Visa Credit Card has a variable purchase APR that ranges from 17.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 27.49%. It also has a variable cash advance APR of 28.99% .
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 Credit Union Signature Real Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.49% - 27.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Cobalt Credit Union Signature Real Rewards have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of 6 months.
What are the fees for Cobalt Credit Union Signature Real Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Cobalt Credit Union Signature Real Rewards have a foreign transaction fee?
Cobalt Credit Union Signature Real Rewards charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Credit Union Signature Real Rewards?
The customer service number for Cobalt Credit Union Signature Real Rewards is (800) 228-0392.
What is the support contact email for Cobalt Credit Union Signature Real Rewards?
The support contact email for Cobalt Credit Union Signature Real Rewards is contactcenter@cobaltcu.com.
What is the login page for Cobalt Credit Union Signature Real Rewards?
You can access the login page of Cobalt Credit Union Signature Real Rewards here.
How do people rate the customer service and user experience of Cobalt Credit Union Signature Real Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Cobalt Credit Union Signature Real Rewards Visa Credit Card report your account activity to credit bureaus?
Yes, Cobalt Credit Union Signature Real Rewards Visa Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Cobalt Credit Union perform a hard credit pull?
Yes, Cobalt Credit Union Signature Real Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Cobalt Credit Union Signature Real Rewards
- Visit the website of Cobalt Credit Union Signature Real Rewards.
- 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.
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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.
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