Last Updated: 07/28/2025
Congressional FCU Visa Signature Rewards
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.15% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
680 - 800
Annual Fee
N/A
Congressional FCU Visa Signature Rewards Review
This is a rewards 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 6 months.
- APRs: Congressional FCU Visa Signature Rewards has a variable regular 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Congressional FCU Visa Signature Rewards
| The Good | The Bad |
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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.
| Description |
Does Congressional FCU Visa Signature Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Congressional FCU Visa Signature Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Congressional FCU Visa Signature Rewards benefits?
Congressional FCU Visa Signature Rewards 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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%. Congressional FCU Visa Signature Rewards does not offer balance transfers. It also has a variable cash advance APR that ranges from 13.15% up to 18%.
Does Congressional FCU Visa Signature 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 3.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 13.15% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Congressional FCU Visa Signature Rewards 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 Signature Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $25. What is the customer service phone number for Congressional FCU Visa Signature Rewards?
The customer service number for Congressional FCU Visa Signature Rewards is (800) 491-2328.
What is the support contact email for Congressional FCU Visa Signature Rewards?
The support contact email for Congressional FCU Visa Signature Rewards is Email@CongressionalFCU.org.
How do people rate the customer service and user experience of Congressional FCU Visa Signature Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Congressional FCU Visa Signature Rewards report your account activity to credit bureaus?
Yes, Congressional FCU Visa Signature Rewards 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 Signature Rewards 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 Signature Rewards
- Visit the website of Congressional FCU Visa Signature Rewards.
- 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 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.
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
Other Services by Congressional Federal Credit Union
Other Credit Cards from Congressional Federal Credit Union
Rating not yet determined
Purchase APR
8.15% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 800
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
12.15% - 18%
Disclaimer popup with additional information
Balance Transfer APR
12.15% - 18%
Disclaimer popup with additional information
Credit Score Range
600 - 800
300
850
Annual Fee
N/A
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