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VISA Rewards

Enjoy peace of mind and hassle free spending with Catholic Federal’s VISA options that fit your lifestyle.

  • No annual fee
  • EMV smart chip technology for enhanced fraud prevention
  • Integrated with Apple Pay
  • Free personalized card design option
  • Travel protection & emergency assistance coverage
  • Payment convenience at any CFCU office location, by phone or through Online & Mobile Banking

Call (800) 449-7728 24 hours a day to report a lost or stolen credit card. To change your VISA PIN number, call (888) 886-0083. You will need your VISA number, zip code and the 3 digit CVC code on the back of the card.

VISA Rewards

Experience for yourself how rewarding life can be when you see how fast you earn points with Catholic Federal’s VISA Rewards card. You can use your points for all kinds of incredible rewards, like travel, airline tickets, merchandise & more!

  • Earn 1 point for every dollar in purchases - Double points for gas and groceries!
  • 1,000 bonus points for new cardholders who spend $500 in the 1st 60 days.
  • No annual fee
  • Current VISA Platinum card holders who are interested in rewards can apply for a VISA Rewards card by applying online, calling the credit union or stopping by at a CFCU branch location.
  • When traveling outside of the United States, notify the credit union in advance to keep your credit card available for purchases while you are outside of the country.
  • Points are through CU Rewards

Credit Line Increase

Feel like you need more credit and it’s something you can handle? Just let us know and we can help.

 

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases Visa Platinum
9.90%

Visa Credit Rewards
11.99% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Visa Platinum
9.90%

Visa Credit Rewards
11.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances Visa Platinum
9.90%

Visa Credit Rewards
11.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Set-up and Maintenance Fees
   Annual Fee
   Additional Card Fee

   Application Fee

None
None

None
Transaction Fees

   Balance Transfer


   Cash Advance Fee


   Foreign Transaction Fee


$10.00  or 3.00% of the amount of each balance transfer, whichever is greater.

$10.00 or 3.00% of the amoumt of each cash advance, whichever is greater.

1.00% of each transaction in U.S. dollars

Penalty Fees
   Late Payment Fee
   Returned Payment Fee

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)."

Effective Date:
The information about the costs of the card described in this application is accurate as of: March 31, 2018
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum and Visa Credit Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to:(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

OTHER FEES & DISCLOSURES

Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

Balance Transfer Fee (Finance Charge):
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge):
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Emergency Card Replacement Fee:
$25.00.

Statement Copy Fee:
$2.00 per page.

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