Last Updated: 07/28/2025
La Capitol Federal Credit Union Cash Back Visa Signature
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.50% - 17.50%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
16.50% - 18%(Verified 06/21/2024)
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Credit Score Range
680 - 850
Annual Fee
$0
La Capitol Federal Credit Union Cash Back Visa Signature Review
This is a cashback credit card issued by La Capitol Federal Credit Union. If you're wondering whether La Capitol Federal Credit Union Cash Back Visa Signature is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: La Capitol Federal Credit Union Cash Back Visa Signature has a variable regular purchase APR that ranges from 14.50% up to 17.50%.
- 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.
- A 3% balance transfer fee. La Capitol Federal Credit Union Cash Back Visa Signature charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of La Capitol Federal Credit Union Cash Back Visa Signature
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La Capitol Federal Credit Union Cash Back Visa Signature FAQ
Does La Capitol Federal Credit Union Cash Back Visa Signature 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.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for La Capitol Federal Credit Union Cash Back Visa Signature?
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.La Capitol Federal Credit Union Cash Back Visa Signature has a variable purchase APR that ranges from 14.50% up to 17.50%. The card has a variable balance transfer APR that ranges from 16.50% up to 18%. It also has a variable cash advance APR that ranges from 16.50% up to 18%.
Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does La Capitol Federal Credit Union Cash Back Visa Signature have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
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| Balance Transfer APR | 16.50% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does La Capitol Federal Credit Union Cash Back Visa Signature have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for La Capitol Federal Credit Union Cash Back Visa Signature?
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| Returned Payment Fee | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $4 - $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does La Capitol Federal Credit Union Cash Back Visa Signature have a foreign transaction fee?
La Capitol Federal Credit Union Cash Back Visa Signature charges a foreign transaction fee of up to 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 La Capitol Federal Credit Union Cash Back Visa Signature?
The customer service number for La Capitol Federal Credit Union Cash Back Visa Signature is .
What is the support contact email for La Capitol Federal Credit Union Cash Back Visa Signature?
The support contact email for La Capitol Federal Credit Union Cash Back Visa Signature is marketing@lacapfcu.org.
What is the login page for La Capitol Federal Credit Union Cash Back Visa Signature?
You can access the login page of La Capitol Federal Credit Union Cash Back Visa Signature here.
How do people rate the customer service and user experience of La Capitol Federal Credit Union Cash Back Visa Signature?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does La Capitol Federal Credit Union Cash Back Visa Signature report your account activity to credit bureaus?
Yes, La Capitol Federal Credit Union Cash Back Visa Signature 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 La Capitol Federal Credit Union perform a hard credit pull?
Yes, La Capitol Federal Credit Union Cash Back Visa Signature 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 La Capitol Federal Credit Union Cash Back Visa Signature
- Visit the website of La Capitol Federal Credit Union Cash Back Visa Signature.
- 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.
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