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Routing Number: 291880411

Careers Contact Us   1-800-341-9911

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View RCU's low service fees.


Personal credit cards

Take advantage of the security, reliability, and convenience that comes with the RCU Platinum Rewards Visa.

Learn more.


Important numbers

Lost or Stolen Card
Immediately call
1-866-839-3485 to report
a lost or stolen card

Replacement Card
If your card is damaged in use, call RCU Cardholder Services: 1-800-853-0872

Disputed Transaction
Initiate paperwork for a disputed transaction through your online credit card account access; log on to business online banking and select your credit card account


ScoreCard™ Rewards

Reward yourself with travel, gifts, gadgets, RCU Prepaid Visa, and more!

Get Started:
Setup up your username and password.

Browse ScoreCard™ rewards catalog.

Redeem Bonus Points:
Redeem points online.
Call 1-800-854-0790
Download and print Award Order Form to complete and mail. Get the form.

Book Travel:
Book travel online anytime.
Call the ScoreCard™ Travel Center: 1-800-842-3006


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.




Manage your expenses with an RCU Commercial Rewards Visa. It allows you to handle business expenses separately and set individual spending limits for each employee cardholder. All spending generates Rewards Points that can be used to cover travel expenses, purchase merchandise, and more.

Apply for an RCU Commercial Reward Visa online.

It's Simply Better

When you carry the RCU Commercial Rewards Visa, you:

  • Get a low, competitive rate - now just 8.00% APR
  • Pay no annual charge
  • Earn rewards for using it
  • Get no-fee balance transfers for the first 90 days

Online Services

Pay your RCU Commercial 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 business online banking

  • 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 business online banking, 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
  • 25-day interest-free grace period
  • Easy application process, approved locally
  • No transaction charges for purchases
  • Make payments on business online banking or at any RCU office
  • Several automatic payment options

Peace of Mind

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

Learn about the EMV/chip technology used in our credit cards.

Other enhancements include:

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

Use the Credit Card Payoff Calculator.


Rates & Disclosures

Annual Percentage Rate Visa:

8.00% APR as of 2010-02-18

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:
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:
Statement Balances through $250 ..................
Statement Balances $250.01 and above .........


The information about the cost of the cards described in this application is accurate as of 2010-02-18. This information may have changed after that date.




Online Applications

Credit Cards

Business Loans

Consolidation Loans

Home Equity Loans

Home Loans

Overdraft Protection

Personal Loans

Student Loans

Vehicle Loans

Commission Loans

Be alert to new surcharges that merchants may choose to impose
on credit card transactions.

Learn more.

Redeem Points
for an RCU
Prepaid Visa

It's easy to
redeem online!
Learn more.