The VISA Classic Secured Credit Card is perfect for those looking to repair and/or build credit. A "secured credit card" means that you'll have a line of credit up to the amount of money you deposit as collateral (max. $4,999). ACU will also hold a 20% security deposit in your Savings Account, i.e. if you apply for a $500 credit line you'll need $500 as collateral for the card and 20% of $500, which is $100, as a security deposit. You'll deposit $600 in total to secure the $500 line of credit.
The VISA Classic Credit Card is great for those who like to carry a card for emergency reasons or to make small to mid-sized purchases.
For those needing a higher line of credit for larger purchases, the VISA Gold Credit Card is for you. The added benefits are also great for those who travel often.
A Note About Cash Back Rewards: If you don't spend over $3,000 in a year on your Credit Card, we still offer cashback on lower combined purchase values! If you spend up to $1,000 you'll receive 0.25% cashback, over $1,000 up to $2,000 you'll receive 0.50% cashback, and over $2,000 up to $3,000 you'll receive 0.75% cashback. Even if you only make one purchase you're still going to get cashback with ACU Credit Cards!