Choose your Visa Credit Card
Visa Classic
Rates as low as
11.90% APR*
- 11.90% to 18.00% Annual Percentage Rate for Purchases
- 11.90% to 18.00% Other APRs for Cash Advances and Balance Transfers
- Monthly statement
Visa Platinum
Rates as low as
9.90% APR*
- 9.90% to 18.00% Annual Percentage Rate for Purchases
- 9.90% to 18.00% Other APRs for Cash Advances and Balance Transfers
- Eligible for Red Carpet Rewards program
Visa Celebrity
Rates as low as
6.90% APR*
- 6.90% to 18.00% Fixed Annual Percentage Rate for Purchases
- 6.90% to 18.00% Other APRs for Cash Advances and Balance Transfers
- Monthly statement
VISA Card Rates and Apply Now
| Visa Classic | Visa Platinum | Visa Celebrity | |
|---|---|---|---|
| Annual Percentage Rate for Purchases | 11.90% to 18.00% | 9.90% to 18.00% | 6.90% to 18.00% Fixed |
| Other APRs Cash Advances and Balance Transfers | 11.90% to 18.00% | 9.90% to 18.00% | 6.90% to 18.00% |
| **Default Rate | 18% | 18% | 18% |
| Penalty APR and When It Applies | This APR may be applied if you: 1) Make a payment that is 60 days late. How Long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
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| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. | ||
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. | ||
| Annual Fee | None | ||
| Transaction Fees | - Balance Transfer: None - Cash Advance: None - Foreign Transaction Fee: 1% of each transaction in U.S. dollars |
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| Penalty Fees | - Late Payment Fee: Up to $20.00 - Returned Payment: Up to $29.00 - Over-the-Credit-Limit: Up to $20.00 |
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| Other Fees | - Replacement Card Rush Shipping Fee: $45.00 - $90.00 - Statement Copy Fee: $5.00 |
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| Minimum Payment | 2.5% of outstanding balance or $25, whichever is greater | ||
| How We Will Calculate Your Balance | We use a method called "average daily balance (including new purchases)." | ||
| Effective Date | The information about the costs of the card described in this application is accurate as of: September 09, 2021. This information may have changed after that date. To find out what may have changed, contact the Credit Union. | ||
For California Borrowers, the Visa Classic is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
*Rate differential based on credit score. **Default rate effective if payment not received within 60 days of payment due date.
Card Features
Accepted Worldwide
Enjoy the convenience of using your card at over 28 million locations across the globe.
24/7 Online Access
Manage your account anytime, anywhere with free Internet Branch online banking.
Platinum Travel Protection
Enjoy $250,000 Travel Accident Insurance and Auto Rental Coverage—automatically included with your Platinum Visa Card.
Red Carpet Rewards
Platinum Visa cardholders earn exclusive perks with UCSCU’s Red Carpet Rewards program. Start earning points toward travel, gift cards, and more!
Balance Transfers
Break free from high-interest credit card debt—transfer your balance and start saving today!
- No balance transfer fee
- 6.90% APR* on your transfer amount, regardless of approved APR*
- Rate good through the end of your balance
- No cash advance fee
