Credit Cards from AmeriCU

A card that fits your needs.

AmeriCU has a credit card that fits your needs! Whether you’re looking to earn rewards, save money on interest, or build your credit, choose the AmeriCU Credit Card that best fits your unique lifestyle. Then, use it for everything you buy! You’ll enjoy lower rates, no annual fee, and great benefits. What are you waiting for? Explore your options and apply today!

Reward Earning

Reward Earning

You’re no stranger to a good loyalty program, and you have options when it comes to paying for your purchases. Make the most of your spending by earning rewards with AmeriCU’s Visa® Signature Rewards Card!

Traditional Living

Traditional Living

Groceries, childcare, school supplies – your family’s expenses add up quickly! That’s why we offer our Visa® Traditional Credit Card, featuring our lowest rate to ease the pressure of paying your balance in full each month.

Credit Building

Credit Building

Whether you’re just starting out and looking to establish credit, or you need to build or improve your credit, AmeriCU’s Secured Visa® Credit Card is the right choice for your financial future.

Visa® Signature Rewards

Your shopping has never been more rewarding when you use your AmeriCU Visa® Signature Rewards Card. Apply today and earn 20,000 CURewards® Bonus Points when you make $3,000 in purchases in the first 90 days.** Your CURewards® Points can be redeemed on travel, merchandise, or cash back! Benefits include:

  • 1.99% Introductory APR for 6 Months***
  • 1.5x CURewards® Points for every dollar spent on purchases
  • 7.24% -17.99% Variable APR*
  • Access to CURewards® where you can shop our exclusive catalog of merchandise: your points can be redeemed for electronics, sporting goods, household items, and more!
  • Cash Back! Cardholders can convert their reward points to cash, with the option of posting the cash to your checking account or apply it to your credit card balance – it’s simple and easy!
  • Travel and more – let us take you the extra mile when you redeem your points for exclusive travel accommodations and perks!

Learn More about CURewards®

View Visa® Signature Rewards Intro Rate Application & Solicitation Disclosure

Learn More about AmeriCU’s Visa® Signature Rewards Card

Visa® Traditional

Keep things simplified with our Visa® Traditional Credit Card, an easy and convenient payment option featuring our lowest rate! When you choose an AmeriCU Visa® Traditional Card, you can know you’ve made a smart and secure choice. Benefits include:

  • 1.99% Introductory APR for 6 Months***
  • 0% Balance Transfer Fees
  • 6.24% -17.99% Variable APR*

View Visa® Traditional Intro Rate Application & Solicitation Disclosure

Learn More about AmeriCU’s Visa® Traditional Card

Secured Visa®

 A great option for those looking to improve or build credit with a credit card linked to your savings! AmeriCU’s Secured Visa® is our only non-variable Visa® credit card, meaning your rate won’t change over the life of your credit card, and you’ll know what the rate will be before you apply. Benefits include:

  • Credit limit is equal to your Share Savings balance
  • 15.90% APR* on Purchases (Non-Variable)
  • 0% Balance Transfer Fees

View Secured Visa® Application & Solicitation Disclosure

Learn More about AmeriCU’s Secured Visa® Credit Card

*APR = Annual Percentage Rate. Rates and terms are subject to change without notice. For current rates, visit www.americu.org/current-rates. Rates are determined by creditworthiness and other factors at time of application. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount.

**Qualification is based on an assessment of individual creditworthiness and underwriting standards. No points will be earned for cash advances, balance transfers, or convenience checks. You will earn points if you remain a cardholder in good standing and your account is maintained according to the terms of the account. Points are non-transferable and are forfeited in the event the account is closed. Points are not redeemable if the credit card account is delinquent.

***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. 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.

Equal Housing Lender. Membership restrictions apply. Insured by NCUA.