Visa® Benefits

With card options to fit your individual 
needs, True Sky Credit Union’s Visa® Credit 
Cards are sure to be a perfect fit.

Cash Back Card:
Cash back on every purchase
No annual fee
No balance transfer fee
Zero liability on purchases
Online payments and balances
Up to $250,000 in travel accident insurance
Auto rental insurance

(PIN based transactions
do not apply)

(PIN based transactions
do not apply)

Platinum and Gold Cards:
ScoreCard Rewards
Zero liability on purchases
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
Online payments and balances
Up to $250,000 in travel accident insurance
Auto rental insurance

(PIN based transactions
do not apply)

Share
Secured

Platinum

Gold

Classic

Cash Back

Interest Rates and Interest Charges
Annual Percentage Rate 
(APR) for
Purchases

5.99% 7.99% 11.99% 13.90% 16.99%

APR for Balance Trans-
fers and Cash Advances

How to Avoid Paying
Interest on Purchases

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

Fees
Annual Fee

Transaction Fees

5.99% 7.99% 11.99% 13.90% 16.99%

Your 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.

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.

None

Balance Transfer

No balance transfer fee. No grace period on balance transfers.

Cash Advance

No cash advance fee. No grace period on cash advances.

Foreign Transaction

1.00% of each transaction in U.S. Dollars

Penalty Fees

Late Payment

 up to $25.00

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 exercies those rights is provided 
in your account Agreement.
This information is accurate as of January 2017 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.

Apply online at
TrueSkyCU.org.