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  La Capitol Federal Credit Union Prime Plus Visa

La Capitol Federal Credit Union Prime Plus Visa

in Personal Credit Cards from La Capitol Federal Credit Union

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La Capitol Federal Credit Union Prime Plus Visa

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in Personal Credit Cards from La Capitol Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 6.25% - 18%
Balance Transfer APR  (Variable APR) 6.25% - 18%
Credit Score Range 650 - 750
Annual Fee $0

La Capitol Federal Credit Union Prime Plus Visa Review

This is a credit card issued by La Capitol Federal Credit Union. If you're wondering whether La Capitol Federal Credit Union Prime Plus Visa 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
  • 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.
  • Competitive APRs. La Capitol Federal Credit Union Prime Plus Visa has a variable purchase APR that ranges from 6.25% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of La Capitol Federal Credit Union Prime Plus Visa
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Travel assistance insurance
  • La Capitol Federal Credit Union Prime Plus Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
La Capitol Federal Credit Union Prime Plus Visa FAQ

Does La Capitol Federal Credit Union Prime Plus Visa have a cash back or rewards program?

No, it does not offer a rewards program.

What are the La Capitol Federal Credit Union Prime Plus Visa benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for La Capitol Federal Credit Union Prime Plus Visa?

Issuer does not publicly disclose rates. Please see the issuer's application page or contact them directly for rate and fee information.

Does La Capitol Federal Credit Union Prime Plus Visa 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 Prime Plus Visa Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 6.25% - 18%

Does La Capitol Federal Credit Union Prime Plus Visa have an intro APR offer on new purchases?

La Capitol Federal Credit Union Prime Plus Visa Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 12 months.

What are the fees for La Capitol Federal Credit Union Prime Plus Visa?

The following fees apply:

  • There is no overlimit fee
La Capitol Federal Credit Union Prime Plus Visa Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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

Does La Capitol Federal Credit Union Prime Plus Visa have a foreign transaction fee?

La Capitol Federal Credit Union Prime Plus Visa 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.

Does La Capitol Federal Credit Union Prime Plus Visa report your account activity to credit bureaus?

Yes, La Capitol Federal Credit Union Prime Plus Visa 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 Prime Plus Visa

  • Visit the La Capitol Federal Credit Union Prime Plus Visa 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

  • Headquarters
  •   700 Main St
    Baton Rouge, LA 70802
  •   Visit Site

Other Services by La Capitol Federal Credit Union

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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

Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $4
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) $4 - $100
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Paper Statement Fee $1
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 650 - 750
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Travel Assistance
Rewards Type No Rewards
Does Not Disclose Rates
Cash Advance APR (Variable APR) 6.25% - 18%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 6.25% - 18%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 6.25% - 18%
Card Type
  • Low Interest
Card Network Visa

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