Credit Cards

The ultra-flexible card for every situation.

Do you have credit card fatigue? Cash back cards, retail cards, travel cards, complex introductory incentives – the choices are almost endless. We decided to provide one credit card that offers it all. You choose your rewards. And you get travel insurance. And you also get a low 1.9% balance transfer rate to help you consolidate to the last new credit card you'll ever need.

Visa Platinum

The perfect card for everyday purchases and balance consolidation, plus the freedom to choose your rewards.

  • Choice of cash back, merchandise, or travel rewards
  • Digital wallet available with Apple Pay, Google Pay, and Samsung Pay
  • No annual fee
  • No balance transfer fees
  • No penalty APR for late payments
  • Special rate of 1.90% on balance transfers for 18 billing cycles
  • Travel benefits and insurance
  • Variable rate as low as 8.65%

Balance Transfer Details

Balance transfer rate of 1.90% for 18 billing cycles on balances transferred from non-CFCU issued credit cards. Promotional rate does not apply to new purchases. After promotional period, variable rate applies based on credit. Available for new cardholders on all balance transfers posted within 60 days from account opening.

Submit a Balance Transfer

Submit balance transfer requests electronically from Online Banking. After you sign in, navigate to the Visa Platinum page by going to Loans > Credit Card, then in the new window select Services > Balance Consolidation to fill out your request.

You may also return by fax or mail a balance transfer form.

Choose your rewards.

Sign in to to view exclusive in-store and online offers from top retailers, earn extra points, and sign up for bonus offers.

Shop - Earn - Redeem

Pay with your Visa Platinum when shopping at more than 300 retailers within CURewards Mall and earn extra rewards points. Or simply shop in-store or online at participating retailers and get up to 50 bonus reward points per $1 spent and special offers. Points can be redeemed for cash back, gift cards, merchandise, travel, and more!


Get superior travel benefits when you pay with your Visa Platinum.

  • Auto Rental Collision Damage Insurance
  • Travel Accident Insurance up to $500,000
  • Baggage Delay Benefit $100 per day for up to 3 days
  • Trip Cancellation/Interruption up to $2,000

Please review the Visa Application Disclosure for rates/fees and the Credit Card Agreement for more information.