Obtaining a credit card through a credit union is a great choice because they often have better interest rates and lower fees than other financial institutions. Unlike banks, credit unions are nonprofit organizations, and their primary goal is to serve the needs of their members instead of generating profits.

To open a credit card with a credit union, you first need to become a member. You can then apply for a credit card by completing an application and providing the necessary documentation. Once approved, you'll receive your credit card in the mail within 7 to 10 days. 

It may be easier to get a credit card from a credit union compared to a bank because credit unions have a more member-focused approach to lending. Also, for those who don't qualify for unsecured cards, credit unions may offer secured cards to help members improve their credit.

Our Visa® credit cards don’t have any annual fees, which helps you save even more!

We do have rewards points for both of Credit Union of America's consumer credit cards. CUA's Signature Cash Back card has 2% cash back per dollar spent and you earn 7,500 bonus points for spending $3,000 in the first 90 days. CUA's Platinum Give Back card earns 1 reward point for every dollar you spend.

Our Cash Back Signature Card offers generous rewards and member-friendly benefits. You can earn 2% cash back or two reward points with every purchase. New cardholders can also take advantage of an introductory offer and earn 7,500 bonus points if they spend $3,000 in the first 90 days.

Yes, you can easily set up card alerts in Digital Banking under Card Management. Digital Banking is our mobile and online banking platform. In addition to managing your credit card, it also allows you to take care of other banking tasks anywhere, anytime.

Balance transfers are quick and easy! Just fill out our Balance Transfer Request Form online to start the process. You can also give us a call or stop by any Credit Union of America branch to fill out the form. Having a copy of your statement for the balance you are transferring will help make the process easier.

Yes, Credit Union of America offers Credit Life and Credit Disability insurance on our credit cards at the time of application.

Please call right away if your card is lost or stolen to prevent unauthorized purchases. You can report a lost or stolen card by going to the Card Management tool in Digital Banking or by calling 866.820.5887.

Yes, Credit Union of America offers "Card Management" in Digital Banking. You can temporarily lock and unlock your card at your convenience. There are also other features such as permanently blocking the card, manage your cards limits, placing travel alerts and more.

After you have confirmed that the transactions are not yours, please call CUA at 800.256.8049 to dispute.

Yes, you can request a credit line increase by putting in an application with a Credit Union of America loan officer. Contact us for details. 

It takes 7 to 10 business days to receive your credit card in the mail.

You can conveniently transfer a payment from your checking account in Digital Banking, make a payment in person at a branch, contact us at 866.820.5887 to make a payment for a $5 fee or mail a payment to the address listed on your credit card statement.

Credit Union of America membership is open to any resident, employee, or anyone who is paid in the following counties: Anderson, Atchison, Barber, Barton, Butler, Chase, Clark, Clay, Cloud, Coffey, Comanche, Cowley, Dickinson, Doniphan, Douglas, Edwards, Ellis, Ellsworth, Finney, Ford, Franklin, Geary, Gray, Harper, Harvey, Hodgeman, Jackson, Jefferson, Johnson, Kingman, Kiowa, Leavenworth, Lincoln, Linn, Lyon, Marion, McPherson, Miami, Mitchell, Morris, Osage, Osborne, Ottawa, Pawnee, Pottawatomie, Pratt, Reno, Rice, Riley, Rooks, Russell, Rush, Saline, Sedgwick, Shawnee, Stafford, Sumner, Wabaunsee, or Wyandotte. 

Membership is also open to anyone who is employed in (or retired from) the field of education in the state of Kansas, works for a Select Employer Group, and anyone who is a family member of an existing CUA member.