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  Congressional Federal Credit Union Visa Signature Premier Rewards

Congressional Federal Credit Union Visa Signature Premier Rewards

in Personal Credit Cards from Congressional Federal Credit Union

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Congressional Federal Credit Union Visa Signature Premier Rewards

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in Personal Credit Cards from Congressional Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 13.15% - 18%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 680 - 800
Annual Fee N/A

Congressional Federal Credit Union Visa Signature Premier Rewards Review

This is a rewards credit card issued by Congressional Federal Credit Union. If you're wondering whether Congressional Federal Credit Union Visa Signature Premier 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 Federal Credit Union Visa Signature Premier Rewards has a variable purchase APR that ranges from 13.15% 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, access to a concierge, emergency support, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Congressional Federal Credit Union Visa Signature Premier Rewards
The Good The Bad
  • 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.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere Congressional Federal Credit Union Visa Signature Premier Rewards is accepted.
  • Congressional Federal Credit Union Visa Signature Premier Rewards reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
Congressional Federal Credit Union Visa Signature Premier Rewards FAQ

Does Congressional Federal Credit Union Visa Signature Premier Rewards have a cash back or rewards program?

Congressional Federal Credit Union Visa Signature Premier Rewards is a rewards card.

Congressional Federal Credit Union Visa Signature Premier Rewards Rewards
Minimum rewards rate 1.25 rewards points per dollar spent on purchasesx
Max rewards rate N/A
Annual rewards limit N/A

Does Congressional Federal Credit Union Visa Signature Premier Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Congressional Federal Credit Union Visa Signature Premier Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Congressional Federal Credit Union Visa Signature Premier Rewards benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Congressional Federal Credit Union Visa Signature Premier 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 13.15% up to 18%. It also has a variable cash advance APR that ranges from 13.15% up to 18%.

Does Congressional Federal Credit Union Visa Signature Premier 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 Federal Credit Union Visa Signature Premier Rewards Balance Transfers
Description
Balance Transfer Fee % After Intro Period 13.15% - 18%
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period 12 months

Does Congressional Federal Credit Union Visa Signature Premier Rewards have an intro APR offer on new purchases?

Congressional Federal Credit Union Visa Signature Premier 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 Federal Credit Union Visa Signature Premier Rewards?

The following fees apply:

Congressional Federal Credit Union Visa Signature Premier Rewards Fees
Fees Amount
Annual Fee

What is the customer service phone number for Congressional Federal Credit Union Visa Signature Premier Rewards?

The Congressional Federal Credit Union Visa Signature Premier Rewards customer service number is (800) 491-2328.

What is the support contact email for Congressional Federal Credit Union Visa Signature Premier Rewards?

The support contact email for Congressional Federal Credit Union Visa Signature Premier Rewards is Email@CongressionalFCU.org.

Does Congressional Federal Credit Union Visa Signature Premier Rewards report your account activity to credit bureaus?

Yes, Congressional Federal Credit Union Visa Signature Premier 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 Federal Credit Union Visa Signature Premier Rewards

  • Visit the Congressional Federal Credit Union Visa Signature Premier 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 Federal Credit Union Visa Signature Premier Rewards'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.

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 Federal Credit Union Visa Signature Premier Rewards

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View all personal 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 Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Starting at $25
Late Fee Amount Starting at $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Payroll Check or Prepaid Card
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 680 - 800
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Airport Lounge Access
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Entertainment
  • Every Purchase
  • Travel
  • Restaurants
  • Hotels
Cash Advance APR (Variable APR) 13.15% - 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) 13.15% - 18%
Balance Transfer Fee % After Intro Period 13.15% - 18%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Card Type
  • Rewards
  • Airline
  • Bonus Offers
Card Network Visa

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