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. All of AmeriCU’s Visa® Credit Cards feature:

AmeriCU Credit Cards

Visa® Signature Rewards Card

AmeriCU’s best card! Low rates, great rewards, and no annual fee!

  • 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.
  • 8.48% – 14.98% Variable APR* depending on credit worthiness.

View Visa Signature Rewards application & solicitation disclosure.

View Visa Signature Rewards Agreement.

Open your Visa Signature Rewards card now.

View Current Rates

Visa® Traditional Card

Our lowest rate and easy balance transfers!

  • Credit lines from $500 to $30,000
  • 7.90% – 14.40% Variable APR*

View Visa Traditional application & solicitation disclosure.

View Visa Traditional Agreement

Open your Traditional card now.

View Current Rates

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 Agreement

View Secured Visa account opening disclosure

Secured Visa Pledge of Shares

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.

View Current Rates

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 Agreement

View Mastercard Account Opening Disclosure.

Open your AmeriCU Mastercard now.

View Current Rates

 

AmeriCU Credit Card Comparison



Credit Card Comparison

Credit Card Visa SignatureVisa TraditionalSecured VisaMastercard
Annual Percentage Rate (APR)* for purchases8.48% - 14.98%7.90% - 14.40%15.90%12.90%
Variable or Non-VariableVariableVariableNon-VariableNon-Variable
Credit Line (as high as)$50,000$30,000$5,000$5,000
CURewardsYesNoNoNo
Annual Fee$0$0$0$0
Balance Transfer Fee0%0%0%0%
Credit Decisions Made LocallyYesYesYesYes
Apple PayYesYesYesNo
Zero Liability Fraud ProtectionYesYesYesYes
eAlerts + Fraud AlertsYesYesYesYes
Online + Mobile BankingYesYesYesYes
24/7 Credit Card Services HotlineYesYesYesYes
EMV Chip TechnologyYesYesYesYes
Auto PayYesYesYesYes
Automatic Auto Rental InsuranceYesYesYesNo
Automatic Travel Accident InsuranceYesYesYesYes
Visa Concierge ServicesYesNoNoNo
Visa Signature PerksYesNoNoNo


CURewards Program Comparison

CURewards ProgramVisa SignatureVisa TraditionalSecured VisaMastercard
Points Earned Per Dollar - Purchases1.5No RewardsNo RewardsNo Rewards
Points Earned Per Dollar - Cash Advances0No RewardsNo RewardsNo Rewards
Points Earned Per Dollar - Balance Transfers0No RewardsNo RewardsNo Rewards
Points Earned Per Dollar - Convenience Checks0No RewardsNo RewardsNo Rewards
20K Bonus Points for $3K Spent in First 90 Days (eff. 2/15/18)YesNo RewardsNo RewardsNo Rewards
Redeem Points for MerchandiseYesNo RewardsNo RewardsNo Rewards
Redeem Points for TravelYesNo RewardsNo RewardsNo Rewards
Redeem Points for Cash BackYesNo RewardsNo RewardsNo Rewards
Redeem Points for Charitable DonationYesNo RewardsNo RewardsNo Rewards
Point Expiration?Annually after 4 yearsNo RewardsNo RewardsNo Rewards

How long will it take to pay off a credit card?

More from AmeriCU

Lost or Stolen Card?

Contact 800.449.7728 to report it immediately. If you have other questions about your AmeriCU Credit Card, contact Card Services at 866.820.5799.

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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!

Father Having Fun With Son On Summer Beach Vacation

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. Rates and terms are accurate as of 10/26/19, and are subject to change without notice. Standard APR may vary and is based on adding a margin to the Prime Rate. Rates are determined by creditworthiness and other factors at the 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 the next billing cycle. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Equal Housing Lender. Membership restrictions apply. Federally insured by NCUA.