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.

• 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.

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.

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

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%.

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

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.