La Capitol Federal Credit Union Rewards Visa Review

This is a rewards credit card issued by La Capitol Federal Credit Union. If you're wondering whether La Capitol Federal Credit Union Rewards 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.

• 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 Rewards Visa has a variable purchase APR that ranges from 10.25% up to 18%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, 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 odds if your credit score is above 650.

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

La Capitol Federal Credit Union Rewards Visa is a rewards card.

What are the La Capitol Federal Credit Union Rewards Visa 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 Rewards Visa?

It has a variable purchase APR that ranges from 10.25% up to 18%. The card has a variable balance transfer APR that ranges from 10.25% up to 18%. It also has a variable cash advance APR that ranges from 10.25% 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.

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

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 rewards card.

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

Yes, La Capitol Federal Credit Union Rewards 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 Rewards Visa

• Visit the La Capitol Federal Credit Union Rewards 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.