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 12.15% - 20.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
|APR for Cash Advances
||14.15% - 20.25% APR, 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 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).
|Set-up and Maintenance Fees
||$10.00 per transfer
||$5.00 per cash advance item
||3.00% of each transaction in U.S. Dollars
||Up to $25.00
||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 Prevailing APR if you are three (3) billing cycles past due.
Documentation Fee: $2.00 per item.
VISA Business Outlines
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.