Congressional FCU Visa Signature Rewards

Congressional FCU Visa Signature Rewards Review

This is a rewards credit card issued by Congressional Federal Credit Union. If you're wondering whether Congressional FCU Visa Signature Rewards 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 up to 6 months.
• Competitive APRs. Congressional FCU Visa Signature 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 FCU Visa Signature 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. There is then a variable purchase APR that ranges from 13.15% up to 18%. 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 FCU Visa Signature Rewards is accepted. Congressional FCU Visa Signature Rewards reports to multiple credit bureaus.

You need good credit to qualify. Does not offer a signup bonus.

Congressional FCU Visa Signature Rewards FAQ

Does Congressional FCU Visa Signature Rewards have a cash back or rewards program?

Congressional FCU Visa Signature Rewards is a rewards card.

Congressional FCU Visa Signature Rewards Rewards

Minimum rewards rate	1.25 rewards points per dollar spent on purchasesx
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Congressional FCU Visa Signature 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 FCU 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.

Congressional FCU Visa Signature Rewards 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%.

What are the fees for Congressional FCU Visa Signature Rewards?

The following fees apply:

Congressional FCU Visa Signature Rewards Fees

Fees	Amount
Annual Fee

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

Yes, Congressional FCU 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 Congressional FCU Visa Signature Rewards

• Visit the Congressional FCU 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.