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ACU offices will be closed on Monday October 14th, for Columbus Day.

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      (800) 543-2811
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      VISA Credit Cards

      Cash Back Rewards Credit Cards

      Apply for a VISA Credit Card

      The America's Credit Union VISA® Credit Cards just might be among the best Credit Cards you've seen!

      At ACU we promote sound, financially responsible decision making and money management. Typically, that means not buying things on credit. But life happens, we get it! Sometimes you do need a Credit Card for important and/or large purchases. They're also great to have in case of an emergency.

      Credit Cards are also good for building or repairing credit. If you're looking to improve your credit, using a Credit Card with a low, fixed Annual Percentage Rate (APR) responsibly can be a great strategy. 

      No matter your reason for having a Credit Card we strive to offer the best options with the best benefits to our members. Whereas many card issuers may offer one or two of the following benefits, we offer them all!

      Person holding a blurred credit card using a laptop

      Low Fixed Rates. No marketing gimmicks and promotional rates that leave you with a pile of debt here! It's a low, fixed-rate you can depend on.

      NO Balance Transfer Fees. You can transfer your balances from higher rate or variable rate cards to ACU with no fee!

      NO Cash Advance Fees. Yes, you can request a cash advance with no fee, even from an ATM!  It's rare to find a card like ours that does that!

      NO Annual Fees. What is an annual fee anyway? Why do other credit card issuers charge you for having their card? We don't do that at ACU!

      1% Cashback on Purchases. If you charge more than $3,000 on your card in a calendar year you'll receive 1% cashback on your purchases. No categories to remember or types of purchases to manage. Simply 1% cashback on every purchase when you spend $3,000 or more in a year!

       

      Compare Credit Cards

      Compare our cards to each other, and to the competitors. We think you'll agree ACU VISA cards are among the best!

      ClassicCard (3)

      Classic Secured Card

      14.9% APR FIXED-RATE

      Credit Lines from $500 - $4,999

       

      None of These Fees

      • No annual fees.
      • No balance transfer fees.
      • No cash advance fees.

       

      All of These Benefits

      • Up to 1% cashback on purchases.
      • Low fixed-rate.
      • 25 day grace period.
      • Zero liability on unauthorized purchases.
      • Auto rental insurance.

      *Requires a 20% deposit as collateral.

       

      ClassicCard (3)

      Classic Card

      14.9% APR FIXED-RATE

      Credit Lines from $500 - $4,999

       

      None of These Fees

      • No annual fees.
      • No balance transfer fees.
      • No cash advance fees.

       

      All of These Benefits

      • Up to 1% cashback on purchases.
      • Low fixed-rate.
      • 25 day grace period.
      • Zero liability on unauthorized purchases.
      • Auto rental insurance.

       

      GoldCard (3)

      Gold Card

      11.9% APR FIXED-RATE

      Credit Lines starting at $5,000

       

      Gold Card Features

      • No annual, balance transfer, or cash advance fees.
      • Up to 1% cash back on purchases.
      • Lower fixed-rate.
      • 25 day grace period.
      • Zero liability on unauthorized purchases.
      • Auto rental insurance.
      • Warranty services.
      • Travel and emergency services.
      • 90-day product protection.
      • Travel reservation service.
      • Identity theft victim assistance and $1,000 ID theft insurance.

      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!

      Credit Card Rates 

      Loan Type Annual Percentage Rate (APR)
      TEXT
      VISA® Classic
      TEXT
      14.9%
      TEXT
      VISA® Classic Secured
      TEXT
      14.9%
      TEXT
      VISA® Gold
      TEXT
      11.9%
      Effective October 1, 2019
      Loan Type

      VISA® Classic

       Annual Percentage Rate (APR)

      14.9%
      Loan Type

      VISA® Classic Secured

       Annual Percentage Rate (APR)

      14.9%
      Loan Type

      VISA® Gold

       Annual Percentage Rate (APR)

      11.9%
      Effective October 1, 2019

      Click Here for the Credit Card Agreement and Disclosure Statement for your VISA® Account.

      Credit Card Resources

      ACU Card Alerts

      ACU Card Alerts powered by Visa can keep tabs on your ACU Visa activity, with near real-time alerts that can help reduce fraud and provide you more protection and peace of mind.

      Learn more and sign up for this free service.

      Verified by Visa

      Visa has developed a program that helps confirm your identity when you make online purchases.  It makes shopping online more secure by protecting against unauthorized use of your Visa card.  Learn more about this service.

       

       

      man looking at phone getting ACU Card alerts
      Woman looking at computer and holding credit card

      Debunking Credit Card Myths

      All Credit Cards are Bad: Credit Cards are great tools for building credit and taking advantage of rewards programs. When used responsibly they're an excellent money management option.

      Credit Cards Only Lead to Debt: Irresponsible use of a credit card can lead to debt, but if you don't exceed what you can afford to pay back each month and make your payments on time you won't find yourself in debt.

      Ask a VISA Representative to debunk any card myths you've heard. 

      Budgeting for Any Occasion

      Budget ebook cover and spineIf you're considering a Credit Card for a large purchase, or to build or rebuild your credit, budgeting strategies are key.

      Whether you’re budgeting and saving for a one-time event like a wedding, saving for a major life change like having a baby, or getting better at managing daily spending and saving in general, this eBook will help!

      Full of budget templates and tips about creating a budget and tricks for sticking to it, this guide is essential for your future saving goals. With some organization and a good plan, you’ll be adding deposits to your Savings Account regularly.

      Get Your Free Copy Here!

      Apply for a VISA Credit Card Today!

       

      Apply for a VISA Credit Card

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      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
      Privacy Policy

      America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.

      The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. 

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      © America’s Credit Union 2019 All Rights Reserved.