Last Updated: 07/28/2025
Congressional FCU Visa Platinum Rate Saver
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
8.15% - 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 800
Annual Fee
N/A
Congressional FCU Visa Platinum Rate Saver Review
This is a travel card issued by Congressional Federal Credit Union. If you're wondering whether Congressional FCU Visa Platinum Rate Saver is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Congressional FCU Visa Platinum Rate Saver has a variable regular purchase APR that ranges from 8.15% up to 18.00%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.00% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Congressional FCU Visa Platinum Rate Saver
| The Good | The Bad |
|
|
Congressional FCU Visa Platinum Rate Saver FAQ
Does Congressional FCU Visa Platinum Rate Saver have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Congressional FCU Visa Platinum Rate Saver?
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.Congressional FCU Visa Platinum Rate Saver has a variable purchase APR that ranges from 8.15% up to 18.00%. Congressional FCU Visa Platinum Rate Saver does not offer balance transfers. It also has a variable cash advance APR that ranges from 8.15% up to 18.00%.
Does Congressional FCU Visa Platinum Rate Saver have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 3.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 3.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 8.15% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Congressional FCU Visa Platinum Rate Saver have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Congressional FCU Visa Platinum Rate Saver?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $25.00. Does Congressional FCU Visa Platinum Rate Saver have a foreign transaction fee?
Congressional FCU Visa Platinum Rate Saver charges a foreign transaction fee of up to 2.00%. 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 Congressional FCU Visa Platinum Rate Saver?
The customer service number for Congressional FCU Visa Platinum Rate Saver is (800) 491-2328.
What is the support contact email for Congressional FCU Visa Platinum Rate Saver?
The support contact email for Congressional FCU Visa Platinum Rate Saver is Email@CongressionalFCU.org.
What is the login page for Congressional FCU Visa Platinum Rate Saver?
You can access the login page of Congressional FCU Visa Platinum Rate Saver here.
How do people rate the customer service and user experience of Congressional FCU Visa Platinum Rate Saver?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Congressional FCU Visa Platinum Rate Saver report your account activity to credit bureaus?
Yes, Congressional FCU Visa Platinum Rate Saver 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 Congressional Federal Credit Union perform a hard credit pull?
Yes, Congressional FCU Visa Platinum Rate Saver 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 Congressional FCU Visa Platinum Rate Saver
- Visit the website of Congressional FCU Visa Platinum Rate Saver.
- 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.
View Congressional FCU Visa Platinum Rate Saver's published terms & conditions
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.
Hours of Operation
Sunday
Closed
Monday
10:00AM - 5:00PM
Tuesday
10:00AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
10:00AM - 5:00PM
Friday
10:00AM - 5:00PM
Saturday
9:00AM - 12:00PM