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Charter Oak Visa Platinum Credit Card Review

Charter Oak Visa Platinum Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
Charter Oak is a credit union established in the year 1939 by 10 men. This credit union went on to become Charter Oak Federal Credit Union, which is the largest Credit union in Eastern Connecticut. Charter Oak Credit Union is also a leading financial institution in Connecticut. Charter Oak financial services include banking, investment as well as insurance.

To make banking convenient for its members, Charter Oak has introduced Charter Oak home banking and Charter Oak Online Banking too. Charter Oak Federal Credit Card Union offers banking convenience with affordable rates. The Charter Oak Fed Credit Union has a well-knit network of branches located all over Eastern Connecticut.

The financial services extended by Charter Oak also include the issuance of Charter Oak Visa Credit Cards. Charter Oak FCU issues two types of Visa Credit Cards. Visa Gold Card is issued for the starters while as Visa Platinum Card is issued for the people with excellent credit scores.

Charter Oak Visa Platinum Card comes with a bouquet of great benefits like extremely low APR and no annual fees. With Charter Oak Visa Platinum Card, you get bonus points, insurances, lowest rates, 24*7 secure online accesses and much more.

Charter Oak Visa Platinum Credit Card has almost all the features of a great credit card. Its purchase APR for Visa Platinum Card Variable is the lowest. Unlike other credit cards, the cash advance APR and balance payment APR of Charter Oak Credit Card is same as its purchase APR making it lowest in its category. There are no annual fees or balance payment fees or cash advance fees. Given all these benefits, one should surely go for this card provided they have an excellent credit score.

Charter Oak Visa Platinum Credit Card Details


  • Earn Bonus Points on Your Purchases115
  • Earn Bonus Points toward valuable merchandise and travel115
  • RNo Fees for Balance Transfers or Cash Advances115


Max. Rewards: See terms
Sign-up Bonus: No


Purchase Intro APR: n/a115
Purchase Regular APR: 13.99%115
Cash Advance Fee: None115
Cash Advance Regular APR: 13.99%115
Balance Transfer Intro APR: n/a115
Balance Transfer Regular APR: 13.99%115
Balance Transfer Fee: None115
Annual Fee: $0115

Charter Oak Visa Platinum Credit Card Benefits

Let's look at its benefits in detail:
  • A low variable purchase APR.
  • No annual fee.
  • No balance transfer fee.
  • No cash advance fee.
  • Balance transfer and cash advance APR as low as APR for purchases.
  • Bonus Points for using the credit Card.
  • 24*7 online accesses.
  • Extended warranty protection.
  • Auto Rental Insurance.
  • Travel Accident Insurance.

Charter Oak Visa Platinum Credit Card Drawbacks

The card cones with very low interest rates but a few of its cons are:
  • A credit card holder will have to separately register for the ScoreCard Reward Program in order to earn rewards.
  • For online account access too, a card holder needs apply separately.
  • The card replacement fee is $25.

Contact Information


Local: 860.446.8085
Toll Free: 800.962.3237


Charter Oak Federal Credit Union
Charter Oak Federal Credit Union
1055 Hartford Turnpike
Waterford, CT 06385
ATTN: (department you wish to contact)

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