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.
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 7.75% APR
Pay no annual charge
Earn rewards for using it
Pay no fee to transfer balances from another card
It's Easy to Transfer Balances
We no longer charge a fee to transfer balances from another credit card. Call or visit any RCU office and provide us with:
The account number and remittance address of the card you are transferring from
The amount to transfer
Your RCU Platinum Rewards Visa card number
Transfer takes 7-10 days; you are responsible for any minimum payment due until transfer is complete
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.
Make a Payment
Transfer Funds on RCU eBranch
Set up a one-time or recurring transfer from your RCU checking account for a fixed amount
Schedule the transfer to take place on or before your payment due date; for example you may prefer to make bi-monthly payments
Payments received by 5 PM CT will be credited the same day
This option allows you to pay only from an RCU account
Make a Payment Through Your Online Credit Card Account Access
Sign on to RCU eBranch, choose your credit card account, click Make a Payment from top tool bar to set up a one time payment or recurring payments
Choose to pay either the minimum payment due or statement balance
This option allows you to pay from either your RCU account or a non-RCU account
Payments received by 4 PM CT will be credited the same day
Mail Your Payment
Mail to: RCU Cardholder Services • PO Box 31021 • Tampa FL 33631-3021
Allow time for mail delivery to Florida
Other Benefits Include:
Earn ScoreCard™ reward points
No annual charge
Low competitive rate
No less than 26-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.
Other enhancements include:
Travel and emergency assistance services
Emergency card disbursement
Lost or stolen card reporting
Auto rental collision damage
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.
This information is valid only for consumer RCU Platinum Rewards Visa cards.
|Rates & Disclosures
Annual Percentage Rate Visa:
7.75% APR as of 2010-02-16
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 each calendar quarter thereafter. Each date on which the rate may be changed by us is called "changed date." The rate applicable to this card will be based on an index. The APR shall equal the highest prime rate published in the Wall Street Journal "Money Rate" tables on the last date of publication in the calendar month preceding each change date plus a margin of 4.5 percentage points not to exceed the allowable usery ceiling. The minimum finance charge that will be imposed is $0.50. If we, on any change date, fail to increase the rate in accordance with the changes in the index, we will carry over and add any portion of that increase to any adjustment made on subsequent change dates.
In addition, there is a past due 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 the interest rate, not to exceed 18%, shall be imposed two months from that date and shall continue for a period of six months during which there is no past due of payment less than called for in the note of agreement, in which even the past due rate shall be removed and the underlying rate applied as long as you are current.
Grace Period: You have no less than 26 days to repay your balance for purchases before a finance charge on purchases will be imposed.
Method of Computing the Balance for Purchases:
Average daily balance (including new purchases).
Minimum Finance Charge: $0.50
No annual charge. Cash Advance charge is 3% of transaction amount with $10 minimum, $75 maximum. Foreign Transaction charge is up to 2%.
Late Payment Charge: Up to $35.00
Returned Payment Charge: $15
The information about the cost of the cards described in this application is accurate as of 2011-02-21. This information may have changed after that date.
Credit Card Security Tips:
Treat your card like cash; keep it in a secure location
Don’t lend your card or account number to anyone
Protect your PIN and keep that number separate from your card
Audit your sales receipts against your monthly statement and shred before discarding
Review monthly statements for accuracy and/or suspicious charges; contact RCU Cardholder Services immediately with any questions
Be wary of phone and online solicitations; never give account or personal information to anyone who has called or emailed you for that data
Notify RCU if you plan to travel and use your credit card outside of the United States
Read more security news.