Visa� Benefits
With card options to fit your individual 
needs, T
rue Sky Credit Union�s Visa� Credit 
Cards are sure to be a perfect fi t.
Cash Back Card:
Cash back on every purchase
No annual fee
Zero liability on purchases (PIN based tr
do not apply)ansactions
Online payments and balances
Up to $250,000 in travel accident insurance 
Auto rental insurance
Platinum and Gold Cards:
ScoreCard Rewards
Zero liability on purchases (PIN based transactions
do not apply)
Online payments and balances 
Up to $500,000 in travel accident insurance 
Auto rental insurance
Warranty manager
Emergency/travel assistance services 
Emergency card/cash disbursement 
Cardholder inquiry service (800) VISA-911
Classic Card:
Zero liability on purchases (PIN based tr
do not apply)ansactions
Online payments and balances
Up to $250,000 in travel accident insurance 
Auto rental insuranceInterest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchases5.99% 7.99% 11.99% 13.90% 16.99%
APR for Balance Trans-fers and Cash Advances5.99% 7.99% 11.99% 13.90% 16.99%
How to Avoid PayingInterest on PurchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.ShareSecuredPlatinum Gold Classic Cash Back
Fees
Annual FeeNoneTransaction FeesBalance TransferCash AdvanceForeign Transaction
3% of the amount of each balance transfer. No grace period. 
No cash advance fee. No grace period on cash advances.
1.00% of each transaction in U.S. Dollars
Penalty FeesLate Payment  up to $25.00
Apply online atTrueSkyCU.org.How We Will Calculate Your Balance: We use a method called �average daily balance�. (including new pur-
chases)
Billing Rights. Information on your rights to dispute transactions and how to exercise
 those rights is 
provided in your account Agreement.
This information is accurate as of July 2019 and is subject to change. You should contact us for any changes to this 
information at (800) 448-1990, or write to us at P .O. Box 26406, Oklahoma City, OK 73126. You have no grace period in 
which to repay your balance for cash advances before a finance charge will be imposed.
To report a lost or stolen card, call 800.453.4270.
2020
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