Last Updated: 07/28/2025
La Capitol Federal Credit Union Prime Plus Visa
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.50% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
10.50% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 750
Annual Fee
$0
La Capitol Federal Credit Union Prime Plus Visa Review
This is a 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.
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.
- APRs: La Capitol Federal Credit Union Prime Plus Visa has a variable regular purchase APR that ranges from 10.50% 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 up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of La Capitol Federal Credit Union Prime Plus Visa
| The Good | The Bad |
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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.
| Description |
- 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?
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 Prime Plus Visa has a variable purchase APR that ranges from 10.50% up to 18%. The card has a variable balance transfer APR that ranges from 10.50% up to 18%. It also has a variable cash advance APR that ranges from 10.50% 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 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.50% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does La Capitol Federal Credit Union Prime Plus Visa have an intro APR offer on new purchases?
| 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 12 months.
What are the fees for La Capitol Federal Credit Union Prime Plus Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $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 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 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 support contact email for La Capitol Federal Credit Union Prime Plus Visa?
The support contact email for La Capitol Federal Credit Union Prime Plus Visa is marketing@lacapfcu.org.
How do people rate the customer service and user experience of La Capitol Federal Credit Union Prime Plus Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 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 Prime Plus Visa 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 Prime Plus Visa
- Visit the website of La Capitol Federal Credit Union Prime Plus Visa.
- 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.
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Other Credit Cards from La Capitol Federal Credit Union
Rating not yet determined
Purchase APR
14.50% - 17.50%
Disclaimer popup with additional information
Balance Transfer APR
16.50% - 18%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.50% - 18%
Disclaimer popup with additional information
Balance Transfer APR
14.50% - 18%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
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