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Charter Arms Undercover .38 Special
.38 Special • Charter Arms

Charter Arms Undercover .38 Special

Model: 13820

5
CAPACITY
2.0"
BARREL
1.0
LBS
DA/SA
ACTION
.38 Special
CALIBER
MSRP

Full Specifications

Action Type DA/SA
Trigger DA/SA
Safety Hammer Block (exposed hammer)
Optic Ready No
Overall Length 6.25"
Barrel Length 2.0"
Weight 16.0 oz (1.0 lbs)
Frame Material Blued Steel
Frame Finish Blued
Grip Type Black Combat Rubber (finger-grooved)
Country of Origin USA

About This Firearm

The Charter Arms Undercover is one of the few US-made budget snubnoses still in production. The standard Undercover runs a 2-inch barrel, blued steel frame and cylinder, exposed hammer, and 5-round capacity at 16 oz. That weight sits between the alloy-frame Airweights (around 14.5-14.6 oz) and the all-steel Taurus 856 (22 oz). Charter has kept the Undercover in continuous production since 1964 — originally manufactured in Bridgeport, Connecticut, with U.S. production now based in Shelton, Connecticut following the company's 1980s reorganization. The platform is older than the LCR and Taurus 856 and almost as old as the J-frame.

The buying argument is straightforward: street price is meaningfully lower than the S&W 442 and the Ruger LCR, and the blued steel construction is more recoil-absorbing than an Airweight at the cost of a couple ounces. The trade-off is Charter Arms' quality control reputation — the brand has a documented history of inconsistent fit and finish from the factory. The community consensus on Charter buying is to inspect cylinder lockup, trigger return, and timing carefully on receipt. A clean-shipping Undercover is a working tool that holds up. A bad one needs warranty service. Buy it when budget and US-made construction matter more than the polished fit of an S&W or Ruger.

Best For

GOOD
Budget Concealed Carry
At 16 oz with a 2" barrel and 6.25" overall length, the Undercover carries comparably to an Airweight in IWB or pocket holsters. Street price sits well below the S&W 442 — for shooters who want a US-made carry revolver without paying S&W or Ruger pricing, the Undercover is one of the few options.
FAIR
Range / Practice Revolver
The 16 oz blued steel frame is on the light end of what makes extended +P sessions comfortable — owners typically report fatigue after about 50 rounds. Standard-pressure .38 Special is the practical practice load. Charter's published trigger pull is unspecified and community reports describe noticeable gun-to-gun variation, which is consistent with the brand's quality control reputation.

Strengths & Limitations

Strengths
  • Made in USA (Shelton, Connecticut) — one of the few budget carry revolvers still produced domestically. Charter has built the Undercover continuously since 1964.
  • Street price is meaningfully below the S&W Airweights and Ruger LCR, while keeping all-steel construction that absorbs more recoil than aluminum-frame alternatives.
Limitations
  • Charter Arms' quality control reputation is documented and uneven. The standard advice in revolver communities is to inspect cylinder lockup, trigger return, and timing before carrying the gun. A bad example needs warranty work.
  • The blued steel finish requires more care to prevent surface rust than the stainless or alloy alternatives. Daily carry in humid climates will show wear at the cylinder face and muzzle within months without regular oiling.
  • Fit and finish is visibly rougher than S&W or Ruger production. Trigger pulls vary gun to gun, grip-to-frame fit can be inconsistent, and the bluing is not as deep as period-correct S&W work.

Category Rankings

How the Charter Arms Undercover .38 Special ranks among small .38 Special handguns.

Capacity
#4 of 6
Top 67%
5 rds
Weight
#4 of 6
Top 67%
1.0 lbs
Barrel
#3 of 6
Top 50%
2.0"
Overall Length
#1 of 6
Top 17%
6.25"

Compatible Ammunition

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Where to Buy

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Alternatives to Consider

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NAME BEST PRICE
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Smith & Wesson
Taurus 856 Ultra-Lite .38 Special
Taurus
Taurus 856 Defender .38 Special
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Colt Cobra .38 Special
Colt

Frequently Asked Questions

What should I check on an Undercover when I pick it up from the dealer?

Charter's QC reputation makes inspection on receipt essential, and a dry-fire check is the most useful single test. Open the cylinder and confirm it locks up tight with no end-shake or rotational play. Close the cylinder and slowly pull the trigger through the DA stroke — the cylinder should lock into battery before the hammer drops, on every chamber. Check trigger return after each shot for a consistent reset. Look at the cylinder gap with a feeler gauge (should be 0.004-0.008"). If any of these check out wrong, return it before walking out — Charter honors warranty work but it's faster to swap at the counter.

Is the Charter Arms warranty actually good?

Charter's lifetime warranty covers manufacturing defects and is widely reported as reliable. Turnaround on warranty service from Shelton typically runs 4-6 weeks. The trade-off versus S&W or Ruger is that Charter has more guns going back for service in the first place — community consensus is that a properly-inspected Undercover that ships clean rarely needs warranty work, but the inspection step matters more than it does on premium-brand revolvers.