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.
Limited Time Only!
Benefits of our Rewards Visa
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!
APR=Annual Percentage Rate. Purchase APR is variable and subject to change after opening. All credit cards subject to approval. Federally Insured by NCUA. 2.90% Promotional APR valid for 15 months from time of balance transfer after which the variable rate of 11.49-17.49% may apply based on your creditworthiness at account opening. Balance transfer must post between 1/1/2020 - 3/31/2020 to qualify for promotional rate. Balance must post by 3/31/2020 to qualify for $0 Balance Transfer Fee. After that time, the fee will be either 2% of the amount of each transfer or $5 minimum, whichever is greater.
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To track your points, simply log in to Digital 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!
| 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 | 11.49% - 17.49%1 | 11.49% - 17.49%1 | 11.49% - 17.49%1 | None | None | Receive a notification when this rate changes |
| Classic Visa | 12.40% - 17.50%1 | 12.40% - 17.50%1 | 12.40% - 17.50%1 | None | None | Receive a notification when this rate changes |
| Platinum Visa | 10.99% - 16.99%1 | 10.99% - 16.99%1 | 10.99% - 16.99%1 | None | None | Receive a notification when this rate changes |
| Secured Visa | 17.00% | 17.00% | 17.00% | None | None | Receive a notification when this rate changes |
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| 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. | |
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| 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 | |
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Points are accumulated by purchases only, however you do have the option of performing a balance transfer with our Convenience Checks (rewarding you with points), though this would exclude you from any Balance Transfer specials.
Yes, through the UChoose site, there is live chat, a Contact Us email submission form, and a nice FAQ.
Cycle End – 25th Due Date - 22nd
By logging into Online Banking, clicking on your credit card, clicking on ‘MyVisa’, and clicking on the ‘UChoose Single Sign On’ link.
Members earn 1 point for every $1 spent. This can be increased with specific offers from retailers. These specials currently go up to 25 points per $1 spent with some online retailers.
Yes!
Points expire 3 years after you earn them. There is a warning for expired points on the site when you get within 60 days of expiration.
Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.
In some cases, yes. You will have to submit your specific question online at the UChoose site for specifics.
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the website with your new card.
No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem for an item.
It can take up to 60 days for your points to be credited to your account.
To start earning points, you must activate your rewards. Do so by going into Online Banking, clicking on your Rewards Card, click on the new MyVisa Online link, and clicking on the UChoose Single Sign On link (pop-up blocker must allow this pop-up), confirm your e-mail address, and click on 'Register for Single Sign on'.
You earn points everywhere your card is accepted.
UChoose Rewards is a rewards program where you earn points for shopping or using your CFCU Community Credit Union Rewards Card, then redeem your points for anything of your choice from a huge online rewards catalog.
No. A member will need to re-apply for the Rewards Card.
Yes you can use your debit and credit cards overseas. However, you must contact CFCU ahead of time to place a travel note on your account. There is a 1% currency conversion fee.
Note: Certain Countries have restrictions. Contact us for more information.
We have another great benefit of membership for you...the Standard VISA protection package! These great services are offered free to CFCU VISA cardholders!
Travel and Emergency Assistance Services:
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.
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!
Member Solutions (Mon-Fri. 8am-5:30pm; Sat. 9am-12pm) - 607-257-8500 - Toll free 800-428-8340
CFCU Insurance Services (Mon-Sat. 8am-8:30pm) - 844-835-7646
Telephone Banking - 607-257-8113 - Toll free 800-782-9413
Suspected Fraud/Lost/Stolen Debit Card - 800-472-3272
Suspected Fraud/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.
Grills and snowmobiles and clothes...oh my!
When you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card.
If you are experiencing financial hardship, we encourage you to reach out to our Asset Recovery Department for assistance. Whatever the reason, we are here to help!
Email: AssetRecovery@mycfcu.com
Phone: 607-257-8500 ext. 3201
When you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card.
If you are experiencing financial hardship, we encourage you to reach out to our Asset Recovery Department for assistance. Whatever the reason, we are here to help!
Email: AssetRecovery@mycfcu.com
Phone: 607-257-8500 ext. 3201