Credit Cards
Discover the Advantage of an ACU Visa Credit Card!
For a limited time, get a lower introductory rate on purchases and balance transfers with our Visa Classic, or earn a cash bonus and ongoing rewards with the Visa Rewards card!
Visa Classic
Get a 1.99% Intro APR for 12 months from card open date on purchases and balance transfers made in the first 90 days from card open date. After that, APR will be 7.90%-13.90%*
Visa Rewards
Get a $250 one-time statement credit when you spend $3,000 within 90 days of card open date, PLUS 1% cash back on all purchases.
Limited Time Offer! Apply by 12/31/24
* APR=Annual Percentage Rate. Foreign transactions have a fee of 1% in US dollars.
**Subject to credit approval. After the 12-month introductory period ends, your APR will be 7.90% to 13.90%, based on your creditworthiness.
Keeping Your High-Interest Credit Cards is Like Throwing Away Free Money
Rid yourself of high-interest rates and fees by switching to Advantage Credit Union's Visa® Credit Cards!
If you've got questions about our credit cards and would like to ask one of our loan officers about more details and we'll get the process started for you!
Ready to apply? Print off the ACU Credit Card Application, fill it out and mail in or drop it by our office.
Your Card, Your Way! Our Visa® Classic Program offers a low fixed rate. Our Visa® Rewards card offers 1% cash back on all purchases.
| Card Type | Visa® Classic | Visa® Rewards |
|---|---|---|
| APR for Purchases, Balance Transfers and Cash Advances | 7.9%-13.9% Non-Variable Rate dependent on your creditworthiness |
12.9-18.9% Non-Variable Rate dependent on your creditworthiness |
| Rewards | None | 1% Cash Back on all purchases |
| Balance Transfer Fee | None | None |
| Cash Advance Fee | None | None |
| Annual Fee | None | None |
| Minimum Interest Charge | $0.00 | $0.00 |
| Foreign Transaction Fee | 1% of each foreign transaction in U.S. Dollars | 1% of each foreign transaction in U.S. Dollars |
| Late Payment Fee | Up to $15.00 | Up to $15.00 |
| Returned Payment Fee | Up to $15.00 | Up to $15.00 |
For lost or stolen credit cards, please call (888) 514-1488
For your convenience, ACU offers you 24-hour online access to view your credit card account status, account history, and even make payments online, just click on MyCardInfo to access this information.
Payments can also be paid automatically via ACH monthly, Paid through It's Me 247 Online Banking, or at the teller line.
MyCardInfo
MyCardInfo is a free service that allows you access to your credit card account 24 hours a day, seven days a week. This added service allows you to keep track of all your credit card activity.
With MyCardInfo You Can:
Activate New Cards
View and Edit Personal Profile and Account Information
Pay Your Credit Card Bill Online
Request a Credit Line Increase
Make a Service Inquiry
Request Additional Cards For Other Family Members
Download Statements to Personal Financial Software
If you have any questions regarding this service, please contact us by phone at (888) 514-1488, and as always you can stop into Advantage Credit Union.
Credit Solutions
If you’re struggling to pay your loan or looking to improve your credit, ACU could help. Visit our Credit Solutions page for more information.
Interested in applying for a credit card?
Thank you for inquiring about obtaining a credit card from Advantage Credit Union. Please answer the following questions to help us better serve you and one of our loan officers will be in touch with you to start the application process.