Rewards Visa Credit Card

Why limit yourself to just airline rewards? Our points can be redeemed for travel, event tickets, gift cards, and over 5,000,000 other options to choose from!

Treat yourself to a little freedom in your credit card rewards program. We allow you to redeem your credit card rewards points for most anything you can dream of, with no minimum or maximum point rules to hold you back.

Did we mention there is no Annual Fee? This is the card for you.

Apply today!

Our cards are now chip-enabled!

Learn more about this exciting new technology

Benefits

Benefits of our Rewards Visa

  • Redemption starts at your very first point earned!

  • No annual fee.

  • Earn points fast. Some retailers reward more than 25 points per $1 spent!

  • Literally millions of redemption options at your disposal.

  • One Rewards Card option. Everyone enjoys the same rewards! We don't segment reward volume by age.

  • Automatic Alerts on our Rewards platform to ensure you don't have any points expire! You earned them; we believe you should be able to use them!

Learn about this month's point specials!

Enabling Rewards!

UChoose RewardsTo start earning points, you must activate your rewards online. Simply log in to Online Banking and select your Rewards Visa and enter MyVisa Online. From there just click on "UChoose Single Sign On" and follow directions!

Redeeming points is even easier! Just click on "UChoose Single Sign On" within MyVisa to view the millions of options and ways to redeem your points. Enjoy!

Rates

Visa Credit Card Rates

  •  Rates as of 8/1/17
Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances Penalty APR and When it Applies Minimum Interest Charge Alert Me
Rewards Visa 10.99% - 16.49%1 0% APR for 12 months from the post date of the transfer. Must post by 9/1/17 to qualify for promotional rate. After that, your APR will be 10.99% - 16.49%1 10.99%-16.49%1 None None
Classic Visa 11.90% - 16.50%1 11.90% - 16.50%1 11.90% - 16.50%1 None None
Platinum Visa 10.49% - 16.49%1 10.49% - 16.49%1 10.49% - 16.49%1 None None
Secured Visa 17.00% 17.00% 17.00% None None
  • 1Based on your creditworthiness on account opening. This APR will vary with the market based on the Prime Rate.

What is APR?

Rewards/Platinum/Classic Visa Card Annual and Transaction Fees

  •  Rates as of 7/1/17
Annual Fees Balance Transfer Fees Cash Advance Fees Foreign Transaction Fees Convenience Check Fees Alert Me
Rewards Card $0 2% of amount of each transfer or $5 minimum, whichever is greater. 3% if done through an ATM, or 4% of the amount if done at the financial institution, or $10 minimum, whichever is greater. 1% of each foreign purchase transaction or foreign ATM advance transaction in US dollars. Either 3% of the amount of each Convenience Check Cash Advance, or $10 minimum, whichever is greater.
Platinum Card $0 2% of amount of each transfer or $5 minimum, whichever is greater. 3% if done through an ATM, or 4% of the amount if done at the financial institution, or $10 minimum, whichever is greater. 1% of each foreign purchase transaction or foreign ATM advance transaction in US dollars. Either 3% of the amount of each Convenience Check Cash Advance, or $10 minimum, whichever is greater.
Classic Card $151 2% of amount of each transfer or $5 minimum, whichever is greater. 3% if done through an ATM, or 4% of the amount if done at the financial institution, or $10 minimum, whichever is greater. 1% of each foreign purchase transaction or foreign ATM advance transaction in US dollars. Either 3% of the amount of each Convenience Check Cash Advance, or $10 minimum, whichever is greater.
Secured Card $15 2% of amount of each transfer or $5 minimum, whichever is greater. 3% if done through an ATM, or 4% of the amount if done at the financial institution, or $10 minimum, whichever is greater. 1% of each foreign purchase transaction or foreign ATM advance transaction in US dollars. Either 3% of the amount of each Convenience Check Cash Advance, or $10 minimum, whichever is greater.
  • 1Waived if you maintain Direct Deposit or CFCU mortgage.

Rewards/Platinum/Classic/Secured Visa Card Penalty and Other Fees

  •  Rates as of 7/1/17
Late Payment Over-the-Credit Limit Returned Payment Other Fees Alert Me
Rewards Visa Up to $35 $0 Up to $35 None
Platinum Visa Up to $35 $0 Up to $35 None
Classic Visa Up to $35 $0 Up to $35 None
Secured Visa Up to $35 $0 Up to $35 None

FAQ

Protection

We have another great benefit of membership for you...the Standard VISA protection package! These great services are offered free to CFCU VISA cardholders!

Features and Benefits:

Travel and Emergency Assistance Services:

  • Emergency Message Service - can record and relay messages for travelers, immediate family, or business associates
  • Medical Referral Assistance: Provides medical referral, monitoring and follow-up. The benefit administrator can give you names of doctors, arrange contact and help monitor condition.
  • Legal Referral Assistance: arrange contact with an attorney and if needed, can arrange to have bail paid from your VISA account.
  • Lost Luggage Locator Service
  • Emergency Ticket Replacement
  • Prescription Assistance

Auto Rental Collision Damage Waiver:

Provides Reimbursement  for damage due to collision or theft up to the actual cash value of most rental vehicles.

Travel Accident Insurance:

An accidental death and dismemberment policy with a principal sum of 400,000!

Warranty Manager Service:

Offers warranty registration and extended warranty protection. This service doubles the period of repair service up to one additional year on eligible warranties of three years or less.

More information and disclosures!

Apple Pay FAQ

What is Apple Pay and how does it work?

To use Apple Pay for purchases in-store, you must first add your eligible debit or credit card(s) on your iPhone® 6 or Apple Watch™ 5 or 6 using the Passbook application running on iOS 8.1 or later. Once your card has been added, you can hold your device near the contactless reader. Then, place your finger on “Touch IDTM” and hold the iPhone near the reader until you see “Done” and a checkmark on your screen which indicates that your payment is complete. If “Touch ID” doesn’t work, or you do not have it enabled, you will need to enter your device passcode. To use Apple Pay for purchases within participating merchant apps (or in-app), you must first add your eligible card on your iPhone 6, Apple Watch 5 or 6, iPad® Air 2 or iPad miniTM 3 in “Settings” on your device.

Once your card has been added, look for the “Apple Pay” button at checkout. Simply tap the “Apple Pay” button and review your payment information and contact details to complete your purchase. You will see “Done” and a checkmark on the screen when your payment is complete.

How can I add my card to Apple Pay?

To add an eligible card(s) on iPhone 6, Apple Watch, iPad Air 2 or iPad mini 3, go into “Settings,” open “Passbook & Apple Pay” and select “Add Credit or Debit Card.” On iPhone, you can also open the Passbook app to add a card.

When adding your card, you can choose to add the card you already have on file with iTunes® or add new cards by manually entering your card information or taking a picture of your card.

Which devices are eligible for Apple Pay?

In order to use Apple Pay, you need to have iPhone 6 , iPhone 6 Plus, or Apple Watch 5 or 6 running on iOS 8.1 or later for contactless and in-app payments. You can use iPad Air 2 and iPad mini 3 for in-app payments only.

Where can I use Apple Pay?

You can use Apple Pay to make payments in stores with your iPhone 6 wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout. You can also use Apple Pay in participating merchant apps with iPhone 6, Apple Watch 5 or 6, iPad Air 2 and iPad mini 3. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps.

Visit Apple (www.apple.com/apple-pay) for a recent list of merchants where payments are accepted.

What is a Device Account Number and how is it different from my card number?

For your security, when you add your eligible card to Apple Pay, a Device Account Number – separate and unique to your device – is created. Your Device Account Number, instead of your real card number, is used to make purchases using Apple Pay. Merchants do not store your card number.

How many cards can I put on my device?

At this time, Apple allows up to eight cards on a device.

Can I put my credit or debit card on multiple devices?

Yes, you can add your card(s) on up to 10 devices. For each of your devices, you will need to add your card(s) by visiting the “Passbook & Apple Pay” section in your device “Settings” or the Passbook app. You’ll be notified when your card is added to each device.

Can I remove my card from my device?

You can remove your card by selecting “Remove Card” in the “Passbook & Apple Pay” section in your device “Settings” or on the back of your card in the Passbook app by tapping on the ‘i' (information) symbol. You can also visit www.icloud.com/settings to remove your card or use the Find My iPhone app to temporarily suspend or permanently remove the ability to pay with your cards on your device.

How are refunds handled with an Apple Pay purchase?

If you need to make a return for a purchase made with Apple Pay, you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for each card, visit the “Passbook & Apple Pay” section in your device “Settings” or look in the Passbook App Info.

How can I delete my card if my device is lost or stolen?

If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call us immediately at CFCU. You can also go to www.icloud.com/settings or the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline.

Why does my Apple Pay work differently at different stores?

One of the features of Apple Pay is that is integrates with a merchant's existing card processing system, and since many merchants have different systems, you will have a different experience at different merchant locations.  Many merchants are still working on training their own staff on how Apple Pay works on their own terminals, so you may still come across situations where the merchant's staff is unsure of how it works, or is new to the process as well. 

Will CFCU be offering Samsung or Android Pay?

We are currently working with our providers to determine when these platforms will be available to CFCU. We will continue to keep you updated on our progress as we understand this is important to Android and Samsung users!

For more information about Apple Pay, contact CFCU!

Contact Us

Call Center (Mon-Fri. 8am-5:30pm; Sat. 9am-12pm) - 607-257-8500 - Toll free 800-428-8340

contact.us@mycfcu.com

CFCU Insurance Services (Mon-Fri. 8am-10pm; Sat. 8am-5pm) - 844-835-7646

MAXX Phone Banking - 607-257-8113 - Toll free 800-782-9413

Lost/Stolen Debit Card - 800-472-3272

Lost/Stolen Visa Card - 

866-205-8314 (Domestic) or

703-463-2473 (International)

    -Option 2

CFCU will never contact a member electronically to obtain personal information. If you receive this type of communication, please contact us immediately to report.

View our disclosures for additional Terms and Conditions.

Verified by Visa Registration Here

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