Visa Cards

No matter who you are or what your needs are, we've got the card for you.

New to CCU? Apply Here | Already a Member? Apply Here

0% APR* intro rate on purchases for 12 months for New CCU Visa Credit Card Account. After that, your APR will be 14.20% to 27.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Also, you can enjoy 0% APR** on Balance Transfers for 12 Months.

In addition to all that, you could earn a $200 Reward!

Offer ends January 31, 2025.
Fees may be imposed on the account. Rates are variable, based on published Prime Rate. For new cards, rates will vary based on creditworthiness.

*APR=Annual Percentage Rate. This promotion is available for a limited time. New qualifying card members will receive a special rate of 0% on purchases for 12 months from account opening. After the 12-month period, the interest rate will revert to the standard card rate. To qualify for the $200 reward, cardmember must make $1,000 in new purchases within the first 90 days of account opening. Depending on the card type, eligible rewards will be credited to the account within 2 statement periods as either 20,000 in points or a statement credit. Note: Current card members are not eligible for this offer. Closing and reapplying for the same card during the promotional period is prohibited.

**APR=Annual Percentage Rate. To qualify for the promotional 0% balance transfer rate for 12 months, transferred balances must be made within 45 days of account opening. A balance transfer fee of the greater of 3% of the transferred balance or $5 applies to each transferred balance.

Find the Visa Card That's Right for You

Visa Signature Cash Back

Earn 3% Cash Back on Grocery Store and Convenience Store Purchases*
Earn 2% Cash Back on Gas
Earn 1% Cash Back on Everything Else
No Annual Fee

*Earn 3% cash back on a maximum of $6000 in annual spend for grocery and convenience store purchases. This equates to a maximum annual cash back of $180 for grocery and convenience store purchases.

New to CCU?
Apply Here | Already a Member?
Apply Here

OR Contact us at 847.837.7938

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Visa Signature Rewards

Earn Reward Points for Merchandise or Travel
Earn 3X Points on Grocery Store and Convenience Store Purchases*
Earn 2X Points on Gas
Earn 1X Points on Everything Else
No Annual Fee

*Earn 3 times the points per dollar spent on a maximum of $6000 in annual spend for grocery and convenience store purchases. This equates to a maximum annual points accrual of 18,000 points for grocery and convenience store purchases.

New to CCU?
Apply Here | Already a Member?
Apply Here

OR Contact us at 847.837.7938

View Details

Visa Platinum Rewards

Low Rate Card
Earn Unlimited 1x Reward Points Toward Gift Cards, Merchandise, Travel & More
No Annual Fee

New to CCU?
Apply Here | Already a Member?
Apply Here

OR Contact us at 847.837.7938

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Visa Platinum

Our Lowest Rate Card
Generous Credit Limits
No Annual Fee

New to CCU?
Apply Here | Already a Member?
Apply Here

OR Contact us at 847.837.7938

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Student Visa

Start them on the road toward financial responsibility but maintain your peace of mind with the CCU Student Visa© credit card. This card starts building good credit scores while teaching students to budget their finances and manage a line of credit.

Start Building Good Credit
Available for Ages 13 to 21
Credit Limits Starting at $250
No Annual Fee

View Details

Get the Best Out of Your Visa Card

Explore our credit card benefits and options. Whether you are looking to establish your credit, hunting for a low-rate card, or looking for the most points for your dollar, view the comparison chart to see the different benefits available for each card.

Compare Card Benefits

Tap to pay and be on your way

Check out quickly and safely with your CCU contactless Visa card. You'll save time and continue to enjoy all the benefits of using our card.

Check Out Securely with Fewer Clicks

You no longer have to enter 16-digit primary account numbers, look up passwords, or fill out long forms to make a purchase at participating online merchant sites. Just click to pay with your CCU Visa.

Click to Pay with Visa

Manage Your Visa Card With Ease

Replacement Card and Card Management

Card Services within Online Banking allows you to enable or disable your card, report as lost or stolen, and more.

Lock / Unlock Card

Easily and securely enable / disable your card within online banking.

CardSwap

Updating your payment information just got easier. CardSwap is a single spot to update your card on file wherever you pay – subscription and streaming services, eCommerce merchants, and more.

Visa Alerts

Receive a text message or e-mail when your card is used.
Set custom alerts for transaction types and dollar amounts for:
- Approaching credit line
- Purchases over a selected amount
- Purchases outside of selected states
- International purchases
- Online and phone purchase where the card is not physically present
- Declined transaction

Add or Remove an Authorized User

Please contact us for appropriate paperwork to add or remove an authorized user.

Protected Credit Transactions

CCU's fraud systems protect against credit transactions done in Iran, Cuba Burma/Myanmar, and Libya.

Add or Remove a Joint Owner

You may apply online or with a representative to add or remove a joint owner. We will ask for updated personal information such as employment status and income. We will also pull a new credit report. All loan requests are subject to our Loan Review Committee Guidelines.

Apply Online

Request a Credit Limit Increase

You may apply online or with a representative for a credit limit increase.

Apply Online

Request a Balance Transfer

You can complete a balance transfer online. Log in to your online banking account or call us with your transfer request. .

Credit Card Application Balance Transfer or Cash Advance Instructions

Helpful Phone Numbers and Links

Activate or change PIN for debit cards -- 866.985.2273 Update credit card PIN -- 888.886.0083 Dispute a transaction -- U.S. 877.275.2228. Outside of the U.S. -- 847.623.3636 Report a lost or stolen debit or credit card -- U.S.877.275.2228. Outside of U.S. -- 847.623.363 Contact debit & credit cardholder services 24/7: In the U.S. -- 877.275.2228. Outside of U.S. -- 847.623.3636

Documentation

Visa Platinum and Visa Platinum Rewards Disclosure.Visa Platinum and Visa Platinum Rewards Agreement.Visa Signature Rewards and Cash Rebate Disclosure.Visa Signature Rewards and Cash Rebate Agreement.

Did You Find the Right Visa Card for You?

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Credit Card Comparison

Benefits	Visa Signature Cash Back	Visa Signature Rewards	Visa Platinum Rewards	Visa Platinum	Student Visa
NO Annual Fee	✔	✔	✔	✔	✔
Accepted at millions of locations worldwide	✔	✔	✔	✔	✔
Secure online access to account information	✔	✔	✔	✔	✔
24-hour member service with live representative	✔	✔	✔	✔	✔
VISA Zero Liability	✔	✔	✔	✔	✔
Automated Fraud Alerts	✔	✔	✔	✔	✔
ID Navigator Powered by NortonLifeLock	✔	✔	✔	✔	✔
Credit Monitoring (1 Bureau)	✔	✔	✔	✔	✔
Dark Web Monitoring	✔	✔	✔	✔	✔
Stolen Wallet Assistance	✔	✔	✔	✔	✔
Dovly	✔	✔	✔	✔	✔
Shipt	✔	✔	✔	✔	✔
Sofar Sounds	✔	✔	✔	✔	✔
Roadside Dispatch	✔	✔	✔	✔	✔
Lost/Stolen Card Reporting	✔	✔	✔	✔	✔
Emergency Card/Cash Dispatch	✔	✔	✔	✔	✔
Travel & Emergency Assistance Services	✔	✔	✔	✔	✔
Travel Accident insurance (up to $250,000)	✔	✔
Lost Luggage Reimbursement (up to $3,000)	✔	✔
24/7 Visa Concierge Service	✔	✔
Visa Luxury Hotel Collection	✔	✔
Universal Destinations & Experiences	✔	✔
Golf Services (by Troon)	✔	✔
Sonoma County Vintners	✔	✔
Avis, Budget, Audi on Demand Auto Rental Privileges	✔	✔
CURewards Program (Gift Cards, Merch., Statement Credit & more)		✔	✔
VISA Signature CashBack Statement Credit	✔