Take advantage of the security, reliability, and convenience that comes with the RCU Platinum Rewards Visa. You'll enjoy features like acceptance at millions of locations, global recognition, and protection from fraudulent purchases.

Points2U Rewards

Earn reward points each time you use your card.
As an RCU Platinum Rewards Visa cardholder, you automatically earn one point for every dollar you spend (excludes returns and cash advances), and your monthly electronic Points2U statement keeps you updated with your total. Accumulated points stay on your account for five years.

Reward points can be redeemed for home goods, electronics, travel, downloads, and more! You can take home a reward for as few as 750 points.

View a rewards list.

Apply for your RCU Platinum Rewards Visa.*

It's Simply Better
When you carry the RCU Platinum Rewards Visa, you:

Get a low, competitive rate - now just 8.0% APR
Pay no annual charge - ever!
Earn rewards for using it
Get no-fee balance transfers for 90 days

Online Services
Pay your RCU Platinum Rewards Visa online. Plus, obtain account information, transfer money from your RCU accounts to your card, schedule payments, view account history, and discontinue paper statements.

Other benefits include:

Earn Points2U reward points
No annual charge
Low competitive rate
25-day interest-free grace period
Easy application process, approved locally
No transaction charges for purchases
Make payments on eBranch or at any RCU office
Several automatic payment options
Optional credit insurance protection

Peace of Mind
RCU protects cardholders with sophisticated fraud-fighting tools that proactively predict, monitor, and prevent fraud from occurring.

Verified by Visa

Visa offers online protection of your RCU Platinum Rewards Visa. The first time you use your card through the Visa network for a purchase over the Internet at a participating merchant, you will be prompted to create a unique password. This password will help verify your identity during future Internet purchases at participating vendors.

Learn more.

Other enhancements include:

Travel and emergency assistance services
Emergency card disbursement
Lost or stolen card reporting
Auto rental collision damage
Warranty manager
Purchase security
Travel assistance
Roadside dispatch service
Personal identity theft coverage
Online purchase protection with Verified by Visa

Apply for your RCU Platinum Rewards Visa.*
Use the Credit Card Payoff Calculator.

*You must be a Member of RCU to complete this application.
Join RCU.

Rates & Disclosures

Annual Percentage Rate Visa:

8.00% APR as of 04/16/2009

Variable Rate Information: The interest will be set on a variable rate. We may increase or decrease the Annual Percentage Rate (APR) beginning with the first billing cycle of the next calendar quarter and the first billing cycle of the next calendar quarter thereafter. Each date on which the rate may be changed by us is called “changed date.” Beginning with the first change date, the rate applicable to this card will be based on an index. The APR on each change date shall equal the highest prime rate published in The Wall Street Journal “Money Rate” tables on the last date of the publication in the calendar month preceding each change date plus a margin of 4.5 percentage points. The quarterly Periodic Rate is 1/4th of the APR.

Before each change date we will calculate your new APR by adding 4.5 percentage points to the current index. This will be your new rate until the next change date. The calculation of APR shall result in a minimum rate of 8% and a maximum rate of the allowable usury ceiling. If we, on any change date, fail to increase the rate in accordance with changes in the index, we will not carry over and add any portion of that increase to any adjustment made on subsequent change dates. In addition, there is a delinquency charge such that the sum of the underlying interest and this charge shall equal 18% per annum. It is applied in this fashion: should there be a failure to have the account current for two months, then interest at a rate not to exceed 18% shall be imposed from the date of the delinquency and shall continue for a period of six months in which there is no delinquency or payment less than called for in the note or agreement, in which event the delinquency rate shall be removed and the underlying rate applied as long as you are current.

Grace Period: You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed.

Method of Computing the Balance for Purchases:
Two-cycle average daily balance (including new purchases).

Minimum Finance Charge: $0.50

Over the Limit Charge: $10.00

Cash Advances & Balance Transfer Charges:
You will incur a charge of 3% with a minimum of $10 and a maximum of $75 for these services. Interest accrues from date of advance or transfer. No-fee balance transfers for the first 90 days after account opening.

Late Payment Charge: $20.00

The information about the cost of the cards described in this application is accurate as of 04/16/2009. This information may have changed after that date.