Purchase what you need and pay it back when it suits you at a low interest rate.
Paying off your card frequently is an easy way to show a low debt to credit ratio.
Transfer your balance from another card and pay no interest for a year, with only a one time 2% fee.
Rate as of: 11-29-2021
*This APR will vary with the market based on the Prime Rate. Learn More About Our Credit Card Offers.
“Chartway Federal Credit Union was great. No Issues with obtaining financing since I had my previous loan with them. Always an enjoyable experience.”
- Kamil, April 2, 2021.
“I love Chartway customer service. Everyone greets with a smile and my money is well protected.”
- LeRoi Boyd, August 2020.
**APR = Annual Percentage Rate. Rate is currently 8.99% to 17.89% when you open your account, based on your creditworthiness. Not all borrowers will qualify for the lowest rate. Applicants who do not qualify for the Visa Rewards Card will be reviewed for the Visa Secured Card. Rates effective 6/15/21 and may change or end at any time.
***Introductory 0% APR* on Balance Transfers for 12 months on balance transfers within the first 90 days. After the first 12 months, rates will range from 9.99% to 17.89% APR.
****Variable APR from 6.99% to 17.89%.
The main feature of the Chartway Visa Preferred Rate Credit Card is the APR starting at just 6.99%. It's an enticing and straightforward offer. On the other hand, the Chartway Visa Rewards Credit Card gives you the chance to earn points to redeem for merchandise, travel, gifts, or cash. Choose the Visa Preferred Rate Card if you want to pay the lowest interest on your purchases. Choose a Visa Rewards card if you like earning points on your purchases.
All credit cards are considered revolving credit because you can make purchases and pay them off in an open-ended cycle, until whenever you choose to close the account. A Chartway Visa Preferred Rate Credit Card makes accessing this extra spending power even more attractive because of its super low interest rate on purchases. This means you can pay your balance off at a faster pace than with higher interest cards.
Making timely payments on a low-interest card is an efficient way to pay down your balances while prove you are a trustworthy borrower. Maintaining a low balance will give you a great credit utilization ratio and this will further boost your score. Excellent credit equals a secure future.
The easiest way to pay is by using Chartway’s online and mobile banking. You can view all your accounts and easily make payments. Alternatively, you can drop into your local branch or call us at 1800-678-8765.