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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 Transfers 
and Cash Advances

How to Avoid Paying
Interest on Purchases

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.

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.

Fees
Annual Fee

Transaction Fees

Balance Transfer

Cash Advance

None

No balance transfer fee. No grace period on balance transfers.

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 $20.00

How We Will Calculate Your Balance: We use a method called “average daily balance”. (including new purchases)

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 August 2013 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.

Visa® Benefits

With card options to fit your individual needs, 
FAA 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)

To report a lost or stolen card, call 800.453.4270.

Apply online at
faaecu.org.