If there are issues using a screen reader on this site, please call 316-219-5197 during normal business hours. Account inquiries and access are available 24 hours a day, seven days a week by using our Automated Phone Teller feature. Please call 316-265-3272 and press option 1 to access your account by Automated Phone Teller.
Jump to main content

VISA Disclosure & Guide to Benefits

Apply Now

For additional features, visit the Visa Guide to Benefits for members and VISA Commercial Guide to Benefits for business members. You can also always view the most current VISA Credit Cardholder Agreement.

All fees and charges are subject to change at any time, with proper advance notice.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Balance Transfers 5.90% APR introductory APR for six (6) months from account opening.

After that your APR will be 10.90% - 18.90% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 12.90% - 19.00% APR, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 19.99% APR
This APR may be applied to your account if you make a late payment.

How Long Will the Penalty Rate Apply?:  If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
 
How to Avoid Paying Interest on Purchases and Balance Transfers 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 (CFPB).
Fees
Set-up and Maintenance Fees
Replacement Card $10.00 each
Transaction Fees
Balance Transfers $10.00 per transfer
Cash Advance $5.00 per cash advance item
Foreign Transaction 3.00% of each transaction in U.S. Dollars
Penalty Fees
Late Payment Up to $25.00
Returned Payment Up to $26.00

How we will calculate your balance:  We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR: The introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Credit Union of America loan or credit card accounts are not eligible for the introductory APR for balance transfers.

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you are 90 days late in making a payment.

Documentation Fee:  $2.00 per item.

VISA Business Forms

This disclosure statement is accurate as of 9/6/17.  This information may change after that date.  To find out what may have changed call 316.265.3272 or 1.800.256.8049, or write to Credit Union of America, PO Box 47528, Wichita, KS  67201-7528.

For California Borrowers, the Visa Platinum is a secured credit card. 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.