CommonWealth One FCU Credit Card Visa Signature Rewards

CommonWealth One FCU Credit Card Visa Signature Rewards Review

This is a secured credit card rewards card issued by CommonWealth One FCU. If you're wondering whether CommonWealth One FCU Credit Card Visa Signature Rewards is the right card for you, read on.

Key Takeaways

• Competitive APRs. CommonWealth One FCU Credit Card Visa Signature Rewards has a variable purchase APR that ranges from 12.99% up to 18.00%.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, price protection, purchase protection, 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 600.

Pros & Cons of CommonWealth One FCU Credit Card Visa Signature Rewards

The Good

The Bad

Potentially lower than average purchase APRs. Multiple credit card perks. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. Considers applicants with fair credit. Cardholders can earn rewards on purchases everywhere CommonWealth One FCU Credit Card Visa Signature Rewards is accepted. CommonWealth One FCU Credit Card Visa Signature Rewards reports to multiple credit bureaus.

Does not offer a signup bonus.

CommonWealth One FCU Credit Card Visa Signature Rewards FAQ

Does CommonWealth One FCU Credit Card Visa Signature Rewards have a cash back or rewards program?

CommonWealth One FCU Credit Card Visa Signature Rewards is a travel rewards card.

CommonWealth One FCU Credit Card Visa Signature Rewards Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the CommonWealth One FCU Credit Card Visa Signature Rewards benefits?

It provides the following benefits:

• Emergency Support
• Trip Cancellation Insurance
• Price Protection
• Travel Accident Insurance
• Cell Phone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for CommonWealth One FCU Credit Card Visa Signature Rewards?

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.

CommonWealth One FCU Credit Card Visa Signature Rewards has a variable purchase APR that ranges from 12.99% up to 18.00%. The card has a variable balance transfer APR that ranges from 12.99% up to 18.00%. It also has a variable cash advance APR that ranges from 12.99% up to 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 CommonWealth One FCU Credit Card Visa Signature Rewards?

The following fees apply:

CommonWealth One FCU Credit Card Visa Signature Rewards Fees

Fees	Amount
Annual Fee
Returned Payment Fee	up to $25.00
Late Payment Fee	up to $25.00

Does CommonWealth One FCU Credit Card Visa Signature Rewards report your account activity to credit bureaus?

Yes, CommonWealth One FCU Credit Card Visa Signature Rewards 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 CommonWealth One FCU Credit Card Visa Signature Rewards

• Visit the CommonWealth One FCU Credit Card Visa Signature Rewards 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.