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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 online

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 11.49% 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 11.49% 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 11.49% 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. W
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
   Transaction Fee for Purchases
$10.00  or 3.00% of the amount of each balance transfer, whichever is greater.

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

1.00% of each transaction in U.S. dollars
None
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)."

Effective Date:
The information about the costs of the card described in this application is accurate as of February 1, 2017.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER 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.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is lesst
Statement Copy Fee $2.00 per page
Emergency Card Replacement Fee $25.00
Card Replacement Fee $5.00

APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Earn 1 Reward Point per $1 purchased on your Visa Rewards Credit Card. Double points earned on purchases of gas and groceries. Receive 1,000 bonus points after you spend $500 on purchases in the first 60 day from account opening. Maximum points per calendar year is 150,000. Points expire after five (5) years.  Balance transfers are treated as cash advances so interest accrues from the date the transfer is posted to your account. Balance transfers of other Catholic Federal Credit Union credit cards, loans, and/or lines of credit are not eligible. Please note if you don’t pay the entire balance for the billing cycle by the payment due date, the purchase amount that is not paid is subject to interest calculated from the date of purchase (or the first day of the current billing cycle, whichever is later), and you will lose the grace period in the current and future billing cycles for all new purchases until the entire balance is paid in full. All transactions subject to credit approval. All rates and offers subject to change.

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