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. This review will provide you with with all the details you need to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 12 months.
• Competitive APRs. La Capitol Federal Credit Union Cash Back Visa Signature has a variable purchase APR that ranges from 10.25% up to 13.25%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• 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 1% every time you make a transaction outside the U.S.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the La Capitol Federal Credit Union Cash Back Visa Signature benefits?

It provides the following benefits:

• 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?

It has a variable purchase APR that ranges from 10.25% up to 13.25%. The card has a variable balance transfer APR that ranges from 12.25% up to 15.25%. It also has a variable cash advance APR that ranges from 12.25% up to 15.25%. 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.

What are the fees for La Capitol Federal Credit Union Cash Back Visa Signature?

The following fees apply:

• There is no overlimit fee

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 report your account activity to credit bureaus?

Yes, La Capitol Federal Credit Union Cash Back Visa Signature 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 La Capitol Federal Credit Union Cash Back Visa Signature

• Visit the La Capitol Federal Credit Union Cash Back Visa Signature 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.