Last Updated: 07/28/2025
Redwood Capital Bank Consumer Visa® Card
Unaffiliated
in Credit Cards from Redwood Capital Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
N/A
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
N/A
Annual Fee
$0
Redwood Capital Bank Consumer Visa® Card Review
This is a cashback credit card issued by Redwood Capital Bank. If you're wondering whether Redwood Capital Bank Consumer Visa® Card is the right card for you, read on.
Key Takeaways
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Accepts cosigners. Redwood Capital Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
Pros & Cons of Redwood Capital Bank Consumer Visa® Card
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Redwood Capital Bank Consumer Visa® Card FAQ
Does Redwood Capital Bank Consumer Visa® Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Redwood Capital Bank Consumer Visa® Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Redwood Capital Bank Consumer Visa® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Redwood Capital Bank Consumer Visa® Card?
Redwood Capital Bank Consumer Visa® Card does not offer balance transfers.Does Redwood Capital Bank Consumer Visa® Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.9% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 180 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Redwood Capital Bank Consumer Visa® Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.90% on qualified purchases for a period of 6 months.
What are the fees for Redwood Capital Bank Consumer Visa® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee starting at $25. Does Redwood Capital Bank Consumer Visa® Card have a foreign transaction fee?
Redwood Capital Bank Consumer Visa® Card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Redwood Capital Bank Consumer Visa® Card?
The customer service number for Redwood Capital Bank Consumer Visa® Card is (707) 444-9800.
What is the support contact email for Redwood Capital Bank Consumer Visa® Card?
The support contact email for Redwood Capital Bank Consumer Visa® Card is inquiries@redwoodcapitalbank.com.
What is the login page for Redwood Capital Bank Consumer Visa® Card?
You can access the login page of Redwood Capital Bank Consumer Visa® Card here.
How do people rate the customer service and user experience of Redwood Capital Bank Consumer Visa® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Redwood Capital Bank Consumer Visa® Card report your account activity to credit bureaus?
Yes, Redwood Capital Bank Consumer Visa® Card 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 Redwood Capital Bank perform a hard credit pull?
Yes, Redwood Capital Bank Consumer Visa® Card 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 Redwood Capital Bank Consumer Visa® Card
- Visit the website of Redwood Capital Bank Consumer Visa® Card.
- 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.
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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.
Hours of Operation
Sunday
12:00AM - 12:00AM
Monday
9:00AM - 5:00AM
Tuesday
9:00AM - 5:00AM
Wednesday
9:00AM - 5:00AM
Thursday
9:00AM - 5:00AM
Friday
9:00AM - 6:00AM
Saturday
12:00AM - 12:00AM