Credit Cards

The Card for Every Situation

Some credit cards offer one compelling feature to the detriment of others. Our Visa Platinum does all things well – including your choice of rewards, a competitively low rate, and low balance transfer fees.

Visa Platinum

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

  • Balance transfer rate of 0% for 18 billing cycles
  • Choice of cash back, merchandise, or travel rewards
  • Digital wallet available with Apple Pay, Google Pay, and Samsung Pay
  • Earn 1 point for every dollar spent, plus bonus points from participating retailers or promotions
  • No annual fee
  • No penalty APR for late payments
  • Travel benefits and insurance
  • Variable rate as low as 9.40%

Balance Transfer Details

New Visa Platinum cardholders receive a balance transfer rate of 0% APR for 18 billing cycles on balances transferred from non-CFCU issued credit cards within 60 days of account opening. Promotional rate does not apply to new purchases. After promotional period, variable rate applies based on credit.

Bonus points earned for the cumulative total of balance transfers completed within 60 days of account opening.

  • Receive 10,000 bonus points when you transfer at least $5,000
  • Receive 5,000 bonus points when you transfer $2,500–$4,999

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 (PDF, 173 KB).

Increase Credit Limit

Existing cardholders may request a higher credit limit by submitting a credit card application online.

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 (PDF, 173 KB) for rates/fees and the Credit Card Agreement (PDF, 142 KB) for more information.