Chevy Chase Card Overview
Chevy Chase Bank, a division of Capital One, offers consumer credit cards primarily in the Mid-Atlantic and Washington, D.C. region. The bank issues cards under the Visa and Mastercard networks, with products targeting everyday spending, balance transfers, and small business needs. Card applications are processed through Capital One systems, and account servicing is managed by Capital One after account origination. The bank's card portfolio includes fixed-rate and variable-rate options, with terms disclosed at application.
The bank operates under a national bank charter regulated by the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau. Card terms, including annual percentage rates and fees, are governed by federal truth-in-lending disclosure requirements. Customers receive a Cardholder Agreement before account opening that defines rates, penalty fees, and billing cycles. The bank's cards are issued in partnership with Visa and Mastercard, and acceptance follows standard network rules at merchant locations.
Card Types and Rewards
The Chevy Chase Platinum Visa card offers a fixed annual percentage rate with no annual fee, designed for customers seeking predictable payment terms. The Chevy Chase Cash Rewards Visa provides cash back on qualifying purchases, with rates and categories defined in the current cardholder agreement. Rewards are credited to the card account according to the terms published by the issuing bank. Redemption options include statement credits or direct deposits, subject to program rules.
Business card offerings include the Chevy Chase Business Platinum Visa, which provides a fixed rate and no annual fee for eligible business accounts. The Chevy Chase Business Cash Rewards Visa allows businesses to earn cash back on purchases, with rewards credited monthly or quarterly based on the card terms. Both business cards are issued by Chevy Chase Bank, N.A., and serviced by Capital One. Card benefits and limitations are detailed in the respective Cardholder Agreements available at the bank's official website.
Application, Fees, and Eligibility
Applications for Chevy Chase cards are submitted online or in branch, with decisions based on credit history, income, and existing relationship data. The bank reports account activity to major consumer reporting agencies, including Equifax, Experian, and TransUnion. Annual fees for most Chevy Chase cards are set at zero, though late payment fees and penalty interest rates apply as outlined in the Cardholder Agreement. Current interest rates are disclosed in the Schumer Box provided at the time of application.
Existing Chevy Chase customers can access card details, rewards balances, and payment options through online banking and the Capital One mobile app. Card servicing, including payments and dispute resolution, is handled by Capital One under the Chevy Chase brand. Customers can contact customer service by phone or secure message to confirm rates, rewards status, and account terms. For the latest offers and card terms, visit the official Chevy Chase Bank credit cards page https://www.chevychase.com and review the current Cardholder Agreement before applying.