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Capital Credit Union VISA Credit Card

Capital Credit Union

One State/TerritoryVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
15.49–27.49%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
2%
Grace period
None

Contract X-Ray — what's buried in the fine print

0 red flags · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Capital Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
22.99%
≤619
24.82%
620–719
20.99%
720+
17.04%
Lowest offered15.49%
Median21.49%
Highest offered27.49%

Cash advance APR

No score
28.50%
≤619
30.33%
620–719
26.50%
720+
22.55%
Lowest offered21%
Median—
Highest offered33%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee4% (min $5)
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$27
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$10

Rewards, benefits and features

Rewards
  • Cashback rewards
Services
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesND
Membership requirementsYes
RequirementOther. Please Describe:
Phone701-255-0042
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 21.49%$644.70
Annual / periodic fees$0
Total yearly cost$644.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Capital Credit Union in the 2026 Q1 archive.

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