Lost or Stolen Card?
Report it by calling 800.499.7728, using the AmeriCU Cards App, or through Online Banking. If you have other questions about your AmeriCU Credit Card, contact Card Services at 866.820.5799.
Credit Cards
Credit cards from AmeriCU. For every day. For every thing.
Use your AmeriCU Visa® Credit Card for everything you buy and enjoy lower rates, no annual fee, and great benefits. When you choose an AmeriCU Visa® Credit Card, you can know you’ve made a smart and secure choice.
Open a new AmeriCU Visa® Traditional Platinum or Signature Rewards Credit Card and enjoy a 1.99% Introductory APR for 6 Months,* no annual fee, and 0% balance transfer fees based on credit worthiness.
After the introductory period, the rate will be 6.24% APR to 17.99% APR for a Visa® Traditional Platinum or 7.24% APR to 17.99% APR for a Visa® Signature Rewards card.*
Features of AmeriCU’s Visa® Credit Cards can include:
- Online & mobile account access. Log in to online banking.
- Zero liability from fraud
- Easy ways to pay – including Automatic Payments
- Fraud & Transaction Alerts
- Free balance transfers
- Auto Rental Insurance
- EMV chip technology for more security
- CURewards
AmeriCU Credit Cards
Visa® Signature Rewards Card
AmeriCU’s best card! Low rates, great rewards, and no annual fee!
- 1.99% Intro APR* for 6 months
- 7.24% -17.99% Variable APR*
- High credit lines from $5,000 to $50,000
- Earn rewards when you use your card! Learn more about rewards.
- Get 20,000 bonus points when you spend $3,000 in the first 90 days
- Visa® Concierge Services
- VISA Signature Perks including movie ticket discounts, access to exceptional offers for sporting events and game-day experiences, as well as golf benefits at premier resorts, and discounts and offers at premium retailers, from jewelry to apparel and electronics – just for being a VISA® Signature Cardholder! Learn more at visa.com/signature.
View Visa Signature Rewards application & solicitation disclosure.
View Visa Signature Rewards Intro Rate application & solicitation disclosure
View Visa Signature Rewards Agreement.
Visa® Traditional Card
Our lowest rate and easy balance transfers!
- 1.99% Intro APR* for 6 months
- 6.24% – 17.99% Variable APR*
- Credit lines from $500 to $30,000
View Visa Traditional application & solicitation disclosure.
View Visa Traditional Intro Rate application & solicitation disclosure
View Visa Traditional Agreement
Secured Visa®
Build your credit with a card linked to your savings.
- Credit lines from $500 to $5,000 (the credit limit equals the balance in your Secured Share)
- Features a non-variable 15.90% APR on purchases
- Great for beginning credit
View Secured Visa application & solicitation disclosure.
View Secured Visa account opening disclosure
Complete our printable loan application & stop by any of our conveniently located offices.
Call 1.800.388.2000 or visit your local Financial Center to open a Secured Visa® today. Find a financial center.
Mastercard®
Great rates.
- Credit lines from $500 to $5,000
- Features a non-variable 12.90% APR on purchases
View Mastercard application and solicitation.
View Mastercard Account Opening Disclosure.
Open your AmeriCU Mastercard now.
AmeriCU Credit Card Comparison
Credit Card Comparison
| Credit Card | Visa Signature | Visa Traditional | Secured Visa | Mastercard |
|---|---|---|---|---|
| Introductory Annual Percentage Rate (APR)* for purchases | 1.99% | 1.99% | No | No |
| Annual Percentage Rate (APR)* for purchases | 7.24% -17.99% | 6.24% - 17.99% | 15.90% | 12.90% |
| Variable or Non-Variable | Variable | Variable | Non-Variable | Non-Variable |
| Credit Line (as high as) | $50,000 | $30,000 | $5,000 | $5,000 |
| CURewards | Yes | No | No | No |
| Annual Fee | $0 | $0 | $0 | $0 |
| Balance Transfer Fee | 0% | 0% | 0% | 0% |
| Credit Decisions Made Locally | Yes | Yes | Yes | Yes |
| Apple Pay | Yes | Yes | Yes | No |
| Zero Liability Fraud Protection | Yes | Yes | Yes | Yes |
| eAlerts + Fraud Alerts | Yes | Yes | Yes | Yes |
| Online + Mobile Banking | Yes | Yes | Yes | Yes |
| 24/7 Credit Card Services Hotline | Yes | Yes | Yes | Yes |
| EMV Chip Technology | Yes | Yes | Yes | Yes |
| Auto Pay | Yes | Yes | Yes | Yes |
| Automatic Auto Rental Insurance | Yes | Yes | Yes | No |
| Automatic Travel Accident Insurance | Yes | Yes | Yes | Yes |
| Visa Concierge Services | Yes | No | No | No |
| Visa Signature Perks | Yes | No | No | No |
CURewards Program Comparison
| CURewards Program | Visa Signature | Visa Traditional | Secured Visa | Mastercard |
|---|---|---|---|---|
| Points Earned Per Dollar - Purchases | 1.5 | No Rewards | No Rewards | No Rewards |
| Points Earned Per Dollar - Cash Advances | 0 | No Rewards | No Rewards | No Rewards |
| Points Earned Per Dollar - Balance Transfers | 0 | No Rewards | No Rewards | No Rewards |
| Points Earned Per Dollar - Convenience Checks | 0 | No Rewards | No Rewards | No Rewards |
| 20K Bonus Points for $3K Spent in First 90 Days (eff. 2/15/18) | Yes | No Rewards | No Rewards | No Rewards |
| Redeem Points for Merchandise | Yes | No Rewards | No Rewards | No Rewards |
| Redeem Points for Travel | Yes | No Rewards | No Rewards | No Rewards |
| Redeem Points for Cash Back | Yes | No Rewards | No Rewards | No Rewards |
| Redeem Points for Charitable Donation | Yes | No Rewards | No Rewards | No Rewards |
| Point Expiration? | Annually after 4 years | No Rewards | No Rewards | No Rewards |
More from AmeriCU
Balance Transfers
0% Balance Transfer fee when you move your balances to your AmeriCU Credit Card. Log in to Online Banking or call 866.820.3867 to start saving!
Traveling? Let us know!
If you plan to use your AmeriCU Credit Card while traveling, let us know by logging into Online Banking and filling out the Travel Notification Form, call 800.388.2000, or stop by one of our Financial Centers.
*APR = Annual Percentage Rate. Rate and terms are accurate as of April 27, 2020 and are subject to change without notice. 1.99% Introductory APR is valid on purchases and balance transfers made on variable rate credit cards within the first 6 months of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Current rates available at www.americu.org. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.