| Rewards | None |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | ~9.25%–10.75% variable |
| Cash Advance Fee | None |
| Late Payment Fee | Up to $25 if you make a payment after the due date. |
| Purchases APR | ~9.25%–10.75% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Charter Oak Visa Platinum Credit Card is known for its low variable APR and no annual fee, making it a solid option for credit union members looking for straightforward, cost-effective credit. Most users say they appreciate the competitive interest rates, which are often much lower than typical national credit cards, and many reviewers mentioned that the simple structure with optional ScoreCard® rewards adds a nice touch without overcomplicating the account. Cardholders also like the member-focused service and accessibility through Charter Oak’s online banking.
On the downside, some users point out that the rewards program is modest compared with larger banks’ credit cards, and there’s no sign-up bonus or travel perks. Others mentioned that the card’s benefits are largely geared toward everyday purchases, so it may not appeal to someone looking for premium rewards or high-end perks.
Personally, I think this card is best for members who prioritize low APR, no annual fees, and a simple, reliable card for everyday use. It’s a great pick for paying down balances efficiently or building credit without extra cost, but if you’re chasing flashy bonuses or luxury travel perks, you might want to look elsewhere.
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
B
Low cost reliable credit option
This card keeps things simple with no annual fee and a low interest rate. It's easy to manage and works well for balance transfers or everyday spending. While it doesn't offer rewards its affordability and straightforward design make it a
dependable choice
