Schedule An Appointment Routing/Wire Transfer Blog Locations & ATMs Contact Us Search: Submit DEPOSITS LOANS SERVICES ABOUT ACU LOG IN Rewards & Low Rate VISA® Credit Cards Four great ACU Visa Credit Card options. Choose from a low rate or earn up to 1% cashback rewards. MEMBER APPLY NON-MEMBER APPLY Flexibility Select the card that best fits your lifestyle! In a hurry for your card? Check the status of your application today. CHECK LOAN STATUS > Low Rate and Rewards Credit Card Features America's Credit Union has the best credit card for your needs! With four great America's Credit Union Visa Credit Card options, you can choose from a low rate or earn up to 1% cashback rewards. You’ll also enjoy interest rates lower than most bank and department store cards, saving you money every month. No annual fee. No cash advance fee. No balance transfer fee. EMV chip technology. Set-up automatic payments from an ACU account, make payments using ACU online banking, or stop by your nearest ACU branch. Convenient, local card servicing right at ACU. Credit Cards are also good for building or repairing credit. If you're looking to improve your credit, using a Credit Card with a low, fixed Annual Percentage Rate (APR) responsibly can be a great strategy. Which Is The Right Credit Card For You? Choosing between low rates, rewards and additional benefits can make selecting the right card difficult. Apply now and a Member Service Representative will be in touch to ensure you're getting the best card! Gold Rewards Card 11.90% APR* FIXED-RATE Credit Lines starting at $5,000 Up to 1% cashback on purchases. Classic Rewards Card 14.90% APR* FIXED-RATE Credit Lines from $500 - $4,999 Up to 1% cashback on purchases. Platinum Card 9.99% APR* FIXED-RATE Credit Lines starting at $5,000 Classic Card 12.99% APR* FIXED-RATE Credit Lines from $500 - $4,999 Credit Card Rates LOAN TYPE ANNUAL PERCENTAGE RATE (APR) VISA® Platinum 9.99% VISA® Gold Rewards 11.90% VISA® Classic 12.99% VISA® Classic Rewards 14.90% Effective May 1, 2021 Secured Credit Cards are available upon request. Apply for the card of your choice and then let the Member Service Representative who reaches out to you know that you'd like a Secured Credit Card. *ACU Credit Card Agreement and Disclosure Statement for your VISA® card. Free Credit Card eBook Find the Best Credit Cards: Build Credit and Stay Out of Debt In the ever-changing financial world we live in today, credit cards seem to have somehow gotten a bad reputation. But in reality, when they are used wisely, credit cards can actually offer some helpful perks that can be beneficial to your financial situation. Not only can credit cards offer tools to help you better manage your money and finances, but if you choose the best credit cards, they can also help you increase your credit score, provide protection on big-ticket items that you purchase, and even help to reduce your travel expenses with the variety of reward programs offered to cardholders. Download this valuable eBook before you choose the card that's right for you! Grab Your Copy! First name * Last name * Email * Phone number VISA Credit Card Related Links Savings Secured Loans Borrow against the money you already have and build or repair your credit. Ideal for small loans. Budgeting eBook Everything you need to know about budgeting in one place. Also includes editable budget templates. Personal (Signature) Loans Personal Loans, also known as Signature Loans, give you access to cash when you need it. Special Savings Account Save for specific needs with a Special Savings Account. Easy to manage and your money is available any time you need it! Credit Card Calculator Calculate how long it will take to pay off a current loan or credit card balance. Membership at ACU Learn more about membership at America's Credit Union. ALL DEPOSITS ALL LOANS ALL SERVICES ABOUT ACU Routing #311982435 Disclosures ACU Blog Contact Us Locations & ATMs Dallas, TX Garland, TX Lancaster, TX Mesquite, TX Springfield, MO ACU NMLS ID #562279 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency Privacy Policy Site Map America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately. The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns. © America’s Credit Union 2021 All Rights Reserved.