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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. 


Secrets to Finding the Best Credit Cards: Build Credit and Stay Out of Debt

credit card book with coverIn the ever-changing financial world we live in today, credit cards seem to have somehow gotten a bad reputation.

But in reality, when they are used wisely, credit cards can actually offer some helpful perks that can be beneficial to your financial situation.

Not only can credit cards offer tools to help you better manage your money and finances, but if you choose the best credit cards, they can also help you increase your credit score, provide protection on big-ticket items that you purchase, and even help to reduce your travel expenses with the variety of reward programs offered to cardholders.

Download this valuable eBook before you choose the card that's right for you!

Get Your Free Copy Here!

Apply for a VISA Credit Card Today!

 

Apply for a VISA Credit Card