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  CorTrust Bank Visa Credit Card
CorTrust Bank Visa Credit Card
in Credit Cards from CorTrust Bank
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CorTrust Bank Visa Credit Card

Unaffiliated
in Credit Cards from CorTrust Bank
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Highlights
Purchase APR  (Variable APR) 5.99% - 12.99%
Balance Transfer APR  (Variable APR) 5.99% - 12.99%
Credit Score Range N/A
Annual Fee $0

CorTrust Bank Visa Credit Card Review

This is a cashback credit card issued by CorTrust Bank. If you're wondering whether CorTrust Bank Visa Credit Card 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

  • Competitive APRs. CorTrust Bank Visa Credit Card has a variable purchase APR that ranges from 5.99% up to 12.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. CorTrust Bank Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.

Pros & Cons of CorTrust Bank Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • CorTrust Bank Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

CorTrust Bank Visa Credit Card FAQ

Does CorTrust Bank Visa Credit Card 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.

CorTrust Bank Visa Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does CorTrust Bank Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does CorTrust Bank Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the CorTrust Bank Visa Credit Card benefits?

It provides the following benefits:

  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for CorTrust Bank Visa Credit Card?

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.

CorTrust Bank Visa Credit Card has a variable purchase APR that ranges from 5.99% up to 12.99%. The card has a variable balance transfer APR that ranges from 5.99% up to 12.99%. It also has a variable cash advance APR of 12.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does CorTrust Bank Visa Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does CorTrust Bank Visa Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for CorTrust Bank Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
CorTrust Bank Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $25
Late Payment Fee $19 - $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does CorTrust Bank Visa Credit Card have a foreign transaction fee?

CorTrust Bank Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for CorTrust Bank Visa Credit Card?

The CorTrust Bank Visa Credit Card customer service number is (605) 996-7775.

What is the support contact email for CorTrust Bank Visa Credit Card?

The support contact email for CorTrust Bank Visa Credit Card is info@cortrustbank.com.

What is the CorTrust Bank Visa Credit Card login page?

You can access the CorTrust Bank Visa Credit Card login page here.

How do people rate the customer service and user experience of CorTrust Bank Visa Credit Card?

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

Does CorTrust Bank Visa Credit Card report your account activity to credit bureaus?

Yes, CorTrust Bank Visa Credit Card 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 CorTrust Bank Visa Credit Card

  • Visit the CorTrust Bank Visa Credit Card 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.

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 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About CorTrust Bank Visa Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1.50
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $25
Late Fee Amount $19 - $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Travel Accident Insurance
Rewards Categories
  • 1x Point on Every Purchase up to $1
Cash Advance APR (Variable APR) 12.99%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 5.99% - 12.99%
Balance Transfer APR (Variable APR) 5.99% - 12.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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