Charter Arms Undercover .38 Special
Model: 13820
Charter Arms Undercover .38 Special
Model: 13820
Full Specifications
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
Strengths & Limitations
- 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.
- 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.
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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.
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