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  Congressional FCU Visa Signature Cash Rewards
Congressional FCU Visa Signature Cash Rewards Unaffiliated

Congressional FCU Visa Signature Cash Rewards

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Highlights
Purchase APR  (Variable APR) 12.15% - 18%
Balance Transfer APR  (Variable APR) 12.15% - 18%
Credit Score Range 600 - 800
Annual Fee N/A

Congressional FCU Visa Signature Cash Rewards Review

This is a cashback credit card issued by Congressional Federal Credit Union. If you're wondering whether Congressional FCU Visa Signature Cash Rewards 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 on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Congressional FCU Visa Signature Cash Rewards has a variable purchase APR that ranges from 12.15% up to 18%.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft 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 Congressional FCU Visa Signature Cash Rewards
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • Multiple credit card perks.
  • Airline Credit.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere Congressional FCU Visa Signature Cash Rewards is accepted.
  • Congressional FCU Visa Signature Cash Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
Congressional FCU Visa Signature Cash Rewards FAQ

Does Congressional FCU Visa Signature Cash 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. You will receive Receive 10,000 rewards points after spending $1000 or more within 90 days% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $0 back in cash.

Congressional FCU Visa Signature Cash Rewards Rewards
Minimum rewards rate Receive 10,000 rewards points after spending $1000 or more within 90 daysx
Max rewards rate N/A
Annual rewards limit N/A

Does Congressional FCU Visa Signature Cash Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Congressional FCU Visa Signature Cash Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Congressional FCU Visa Signature Cash Rewards benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • 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 Signature Cash 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.

Congressional FCU Visa Signature Cash Rewards has a variable purchase APR that ranges from 12.15% up to 18%. The card has a variable balance transfer APR that ranges from 12.15% up to 18%. It also has a variable cash advance APR that ranges from 12.15% up to 18%.

Does Congressional FCU Visa Signature Cash Rewards 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 up to 12 months.

Congressional FCU Visa Signature Cash Rewards Balance Transfers
Description
Balance Transfer Fee % After Intro Period 12.15% - 18%
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12.15% - 18%

Does Congressional FCU Visa Signature Cash Rewards have an intro APR offer on new purchases?

Congressional FCU Visa Signature Cash Rewards Purchase Intro Offer
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 up to 6 months.

What are the fees for Congressional FCU Visa Signature Cash Rewards?

The following fees apply:

Congressional FCU Visa Signature Cash Rewards Fees
Fees Amount
Annual Fee
Late Payment Fee up to $25

What is the support contact email for Congressional FCU Visa Signature Cash Rewards?

The support contact email for Congressional FCU Visa Signature Cash Rewards is Email@CongressionalFCU.org.

What is the Congressional FCU Visa Signature Cash Rewards login page?

You can access the Congressional FCU Visa Signature Cash Rewards login page here.

How do people rate the customer service and user experience of Congressional FCU Visa Signature Cash Rewards?

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

Does Congressional FCU Visa Signature Cash Rewards report your account activity to credit bureaus?

Yes, Congressional FCU Visa Signature Cash 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 Congressional FCU Visa Signature Cash Rewards

  • Visit the Congressional FCU Visa Signature Cash 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.

View Congressional FCU Visa Signature Cash Rewards's published terms & conditions.
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Contact

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

About Congressional FCU Visa Signature Cash Rewards

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View all credit cards offered by Congressional Federal Credit Union

Availability

  Available in 1 state
Virginia
Availabile in all of Virginia

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Starting at $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Credit Score Range 600 - 800
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
  • Airline Credit
  • Airport Lounge Access
Rewards Categories
  • Travel
  • Every Purchase
  • Entertainment
  • Whole Foods Purchases
Cash Advance APR (Variable APR) 12.15% - 18%
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Purchase APR (Variable APR) 12.15% - 18%
Balance Transfer Fee % After Intro Period 12.15% - 18%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.15% - 18%
Card Type
  • Rewards
  • Cashback
  • Travel
  • Bonus Offers
Card Network Visa

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