CoVantage Cash Back Visa® Credit Card

CoVantage Cash Back Visa® Credit Card Review

This is a cashback card issued by CoVantage Credit Union. If you're wondering whether CoVantage Credit Union Cash Back Visa Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. CoVantage Cash Back Visa® Credit Card has a variable purchase APR that ranges from 15.49% up to 18.49%.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.

Pros & Cons of CoVantage Credit Union Cash Back Visa Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance CoVantage Cash Back Visa® Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus.

CoVantage Credit Union Cash Back Visa Credit Card FAQ

Does CoVantage Credit Union Cash Back Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the CoVantage Credit Union Cash Back Visa Credit Card benefits?

It provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for CoVantage Credit Union Cash Back 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.

CoVantage Cash Back Visa® Credit Card has a variable purchase APR that ranges from 15.49% up to 18.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 18.49%. It also has a variable cash advance APR that ranges from 15.49% up to 18.49%.

What are the fees for CoVantage Credit Union Cash Back Visa Credit Card?

The following fees apply:

CoVantage Credit Union Cash Back Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	%
Returned Payment Fee	$
Late Payment Fee	Starting at up to $10

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

Does CoVantage Cash Back Visa® Credit Card report your account activity to credit bureaus?

Yes, CoVantage Cash Back 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 CoVantage Credit Union Cash Back Visa Credit Card

• Visit the CoVantage Credit Union Cash Back 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.