Credit Cards
Smart Credit Card Choices
You have many choices when selecting a credit card. With all those companies and all that fine print, it can be difficult to compare. So, we’ve simplified things for you: AmeriCU’s credit cards have a low non-variable APR* and no nonsense – such as sudden increases in APR, ridiculous late fees, or hidden charges. So when you select one of AmeriCU’s cards, you can relax knowing that you’ve made a smart credit choice! Apply today!
Lost or stolen credit card? Please contact 1.800.449.7728.
Compare Credit Cards Below
| Card Type | APR for Purchases & Balance Transfers (Fees=$0) | APR for Cash Advances (Fees=$0) | Annual Fee | Late Fee | CU Rewards | Disclosures |
|---|---|---|---|---|---|---|
| Platinum VISA® Tier 1 | 7.90% | 15.90% | $0 | $25 | Yes | Disclosure |
| Platinum VISA® Tier 2 (Formerly Gold) | 10.90% | 15.90% | $0 | $25 | Yes | Disclosure |
| Platinum VISA® Tier 3 (Formerly Classic) | 13.90% | 17.90% | $0 | $20 | No | Disclosure |
| MasterCard® | 12.90% | 17.90% | $12 | $20 | No | Disclosure |
| Operation FreedomLink* VISA® Platinum | 7.90% | 15.90% | $0 | $25 | Yes | Disclosure |
| iQ VISA® Platinum (Formerly Gold) | 10.90% | 15.90% | $0 | $25 | Yes | Disclosure |
| Secured VISA®*** Platinum | 15.90% | 17.90% | $0 | $20 | No | Disclosure |
*APR = Annual Percentage Rate.
** CU Reward Program lets you earn points for all eligible purchases. (Earn one reward point for every net dollar you spend. Each month, your statement details your point activity. Anytime, you can redeem your points for travel awards, brand name merchandise, or balance transfers in the CURewardsMall.)
*** Open a secured savings account with AmeriCU for $500+ to get a Secured VISA®. The credit limit on your Secured VISA® = the balance in your Secured Savings Account (in increments of $100 up to $5,000).
VISA® Agreement
MasterCard Agreement
AmeriCU’s Credit Cards Include the Following Benefits:
- Online Account Access. View your Online Credit Card Services to check your balance, access transaction history, or view your available line of credit, 24 hours a day from your online banking account.
- Zero Liability. Liability to the Credit Union is zero for any card transactions resulting from the loss, theft or unauthorized use of the credit card. VISA®/MasterCard’s® zero liability does not apply to commercial card or ATM transactions or to PIN transactions not processed by VISA®/MasterCard®.
- Dedicated Credit Card Services Hotline. AmeriCU card members receive priority service. A team of dedicated service representatives will assist you, 24 hours a day.
- Welcome. Your AmeriCU VISA® credit card is welcome everywhere that accepts VISA® credit cards and you have cash access at more than 24 million locations.
- Get Cash Anytime, Anywhere. Your AmeriCU credit cards are accepted at thousands of places all over the country and around the world. Use your credit card for quick no-fee cash advances at any ATM displaying the VISA® or MasterCard® logo or any participating financial institution. See the attached schedule for information about the Annual Percentage Rate applied to cash advance balances.
- Additional cards at no extra charge.
Enjoy the Ease of Auto Pay!
Automatic Payment enables you to arrange for payments to your AmeriCU credit card account from your checking or savings, without the need to ever mail a check. With Auto Pay, you’ll never have to worry whether or not you remembered that monthly bill. AmeriCU will automatically deduct any one of the following payment options on your monthly due date:
- a payment amount equal to the total balance due
- a designated payment amount (you choose)
- minimum payment due (or $10, whichever is greater)
To enroll, simply mark the box on the application form and indicate your payment preferences.
AmeriCU uses the “average daily balance" method to calculate balances (excluding new purchases).
Effective Date. The information about the costs of the card is accurate as of November 1, 2014. This information may have changed after that date. To find out what may have changed, call us at 800.388.2000.