LOGIN MENU Credit Cards Perfect for everything you’ll need to buy this season! Reward yourself with an AmeriCU Visa® Credit Card! All AmeriCU Visa® Credit Cards feature great, low rates, Online + Mobile Banking access and zero liability from fraud. So, go ahead, spread some cheer, and apply today! Open a new AmeriCU Visa® Traditional Platinum or Signature Rewards Credit Card and enjoy a 1.99% Introductory APR for 6 Months,* no annual fee, and 0% balance transfer fees based on credit worthiness. After the introductory period, the rate will be 6.24% APR to 17.99% APR for a Visa® Traditional Platinum or 7.24% APR to 17.99% APR for a Visa® Signature Rewards card.* Features of AmeriCU’s Visa® Credit Cards can include: Online & mobile account access. Log in to online banking. Zero liability from fraud Easy ways to pay – including Automatic Payments Transaction Alerts Free balance transfers Auto Rental Insurance EMV chip technology for more security CURewards APPLY NOW MAKE AN APPOINTMENT VIEW CURRENT RATES AmeriCU Credit Cards Visa® Signature Rewards Card AmeriCU’s best card! Low rates, great rewards, and no annual fee! 1.99% Intro APR* for 6 months 7.24% -17.99% Variable APR* High credit lines from $5,000 to $50,000 Earn rewards when you use your card! Learn more about rewards. Get 20,000 bonus points when you spend $3,000 in the first 90 days Visa® Concierge Services VISA Signature Perks including movie ticket discounts, access to exceptional offers for sporting events and game-day experiences, as well as golf benefits at premier resorts, and discounts and offers at premium retailers, from jewelry to apparel and electronics – just for being a VISA® Signature Cardholder! Learn more at visa.com/signature. View Visa Signature Rewards application & solicitation disclosure. View Visa Signature Rewards Intro Rate application & solicitation disclosure View Visa Signature Rewards Agreement. Open your Visa Signature Rewards card now. View Current Rates Visa® Traditional Card Our lowest rate and easy balance transfers! 1.99% Intro APR* for 6 months 6.24% – 17.99% Variable APR* Credit lines from $500 to $30,000 View Visa Traditional application & solicitation disclosure. View Visa Traditional Intro Rate application & solicitation disclosure View Visa Traditional Agreement Open your Traditional card now. View Current Rates Secured Visa® Build your credit with a card linked to your savings. Credit lines from $500 to $5,000 (the credit limit equals the balance in your Secured Share) Features a non-variable 15.90% APR on purchases Great for beginning credit View Secured Visa application & solicitation disclosure. View Secured Visa Agreement View Secured Visa account opening disclosure Secured Visa Pledge of Shares Complete our printable loan application & stop by any of our conveniently located offices. Call 1.800.388.2000 or visit your local Financial Center to open a Secured Visa® today. Find a financial center. View Current Rates APPLY FOR A CREDIT CARD TODAY CONTACT US WITH QUESTIONS AmeriCU Credit Card Comparison Credit Card Comparison Credit Card Visa Signature Visa Traditional Secured Visa Introductory Annual Percentage Rate (APR)* for 6 months on purchases and balance transfers 1.99% 1.99% No Annual Percentage Rate (APR)* for purchases and balance transfers 7.24% -17.99% 6.24% - 17.99% 15.90% Variable or Non-Variable Variable Variable Non-Variable Credit Line (as high as) $50,000 $30,000 $5,000 CURewards Yes No No Credit Decisions Made Locally Yes Yes Yes Apple Pay Yes Yes Yes Zero Liability Fraud Protection Yes Yes Yes eAlerts + Fraud Alerts Yes Yes Yes Online + Mobile Banking Yes Yes Yes 24/7 Credit Card Services Hotline Yes Yes Yes EMV Chip Technology Yes Yes Yes Auto Pay Yes Yes Yes Automatic Auto Rental Insurance Yes Yes Yes Automatic Travel Accident Insurance Yes Yes Yes Visa Concierge Services Yes No No Visa Signature Perks Yes No No Annual Fee $0 $0 $0 Balance Transfer Fee 0% 0% 0% Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater $10.00 or 3% of the amount of each cash advance, whichever is greater $10.00 or 3% of the amount of each cash advance, whichever is greater CURewards Program Comparison CURewards Program Visa Signature Visa Traditional Secured Visa Points Earned Per Dollar - Purchases 1.5 No Rewards No Rewards Points Earned Per Dollar - Cash Advances 0 No Rewards No Rewards Points Earned Per Dollar - Balance Transfers 0 No Rewards No Rewards Points Earned Per Dollar - Convenience Checks 0 No Rewards No Rewards 20K Bonus Points for $3K Spent in First 90 Days (eff. 2/15/18) Yes No Rewards No Rewards Redeem Points for Merchandise Yes No Rewards No Rewards Redeem Points for Travel Yes No Rewards No Rewards Redeem Points for Cash Back Yes No Rewards No Rewards Redeem Points for Charitable Donation Yes No Rewards No Rewards Point Expiration? Annually after 4 years No Rewards No Rewards How long will it take to pay off a credit card? Credit Card Payoff Calculator More from AmeriCU Lost or Stolen Card? Report it by calling 800.449.7728, using the AmeriCU Cards App, or through Online Banking. If you have other questions about your AmeriCU Credit Card, contact Card Services at 866.820.5799. Balance Transfers 0% Balance Transfer fee when you move your balances to your AmeriCU Credit Card. Log in to Online Banking or call 866.820.3867 to start saving! Traveling? Let us know! If you plan to use your AmeriCU Credit Card while traveling, let us know by logging into Online Banking and filling out the Travel Notification Form, call 800.388.2000, or stop by one of our Financial Centers. *APR = Annual Percentage Rate. Rate and terms are accurate as of August 3, 2021 and are subject to change without notice. 1.99% Introductory APR is valid on purchases and balance transfers made on variable rate credit cards within the first 6 months of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater. Current rates available at www.americu.org. Equal Housing Lender. Insured by NCUA. Membership restrictions apply. Equal Housing Lender - Federally insured by NCUA Membership restrictions apply Copyright © AmeriCU Credit Union. All Rights Reserved. Member Security Center Career Center Terms + Conditions Disclosures Privacy Policies Web Accessibility Contest Rules Holiday Closings Current Offers