La Capitol Federal Credit Union Rewards Visa
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| Purchase APR (Variable APR) | 10.25% - 18% |
| Balance Transfer APR (Variable APR) | 10.25% - 18% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
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.
| The Good | The Bad |
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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.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does La Capitol Federal Credit Union Rewards Visa have a signup bonus?
This card doesn't offer a cash signup bonus.Does La Capitol Federal Credit Union Rewards Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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?
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 Rewards Visa 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.
Does La Capitol Federal Credit Union Rewards 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.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 10.25% - 18% |
Does La Capitol Federal Credit Union Rewards 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 up to 12 months.
What are the fees for La Capitol Federal Credit Union Rewards Visa?
The following fees apply:
- There is no overlimit fee
| 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 rewards card.
Does La Capitol Federal Credit Union Rewards Visa have a foreign transaction fee?
La Capitol Federal Credit Union Rewards 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.What is the support contact email for La Capitol Federal Credit Union Rewards Visa?
The support contact email for La Capitol Federal Credit Union Rewards Visa is marketing@lacapfcu.org.
How do people rate the customer service and user experience of La Capitol Federal Credit Union Rewards Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
700 Main St
Baton Rouge, LA 70802 - Visit Site
- Email Support
Other Services by La Capitol Federal Credit Union
Availability
- 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 |
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