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  La Capitol Federal Credit Union Cash Back Visa Signature
La Capitol Federal Credit Union Cash Back Visa Signature Unaffiliated

La Capitol Federal Credit Union Cash Back Visa Signature

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Highlights
Purchase APR  (Variable APR) 14.50% - 17.50%
(Verified 02/10/2023)
Balance Transfer APR  (Variable APR) 16.50% - 18%
(Verified 02/10/2023)
Credit Score Range 680 - 850
Annual Fee $0

La Capitol Federal Credit Union Cash Back Visa Signature Review

This is a cashback 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% 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 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.
  • 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.

Pros & Cons of La Capitol Federal Credit Union Cash Back Visa Signature

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 14.50% up to 17.50%.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • La Capitol Federal Credit Union Cash Back Visa Signature reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.

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. 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?

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.

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 up to 12 months.

La Capitol Federal Credit Union Cash Back Visa Signature Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 16.50% - 18%
Balance Transfer Fee % 3%

Does La Capitol Federal Credit Union Cash Back Visa Signature have an intro APR offer on new purchases?

La Capitol Federal Credit Union Cash Back Visa Signature Purchase Intro Offer
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 up to 12 months.

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

The following fees apply:

  • There is no overlimit fee
La Capitol Federal Credit Union Cash Back Visa Signature Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $30
Late Payment Fee up to $30

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 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 La Capitol Federal Credit Union Cash Back Visa Signature customer service number 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 La Capitol Federal Credit Union Cash Back Visa Signature login page?

You can access the La Capitol Federal Credit Union Cash Back Visa Signature login page 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 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.

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

Other Services by La Capitol Federal Credit Union

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Availability

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

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $4
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) $4 - $100
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $30
Paper Statement Fee $1
Late Fee Amount Up to $30
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
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Travel Assistance
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 16.50% - 18%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 14.50% - 17.50%
(Verified 02/10/2023)
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 16.50% - 18%
(Verified 02/10/2023)
Balance Transfer Fee % 3%
Card Type
  • Cashback
Card Network Visa

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