The Card for Carrying a Balance Without the Sting
Big banks average over 21% APR. ACU Platinum starts at 8.79%, no annual fee with no annual fee and no intro-rate tricks.
Three Cards. One Right Choice for You.
Compare ACU’s Visa credit cards. All have no annual fee. Pick the one that matches how you use credit.
Visa Platinum
Best for carrying a balance or transferring debt
No annual fee
- No annual fee or hidden charges
- Falcon Fraud protection 24/7
- Apple Pay, Google Pay & Samsung Pay
Visa Platinum Rewards
Best for earning cash back on everyday purchases
No annual fee
- 1% cash back on all net purchases
- Redeems Nov to Dec, a built-in holiday bonus
- Competitive 9.79% to 18.00% APR
- No annual fee
Green Rewards
Best for building credit while earning more cash back
No annual fee
- 1.50% cash back deposited monthly to your savings
- Fair credit scores welcome
- 15.99% fixed APR, never adjusts
- No annual fee, no balance transfer fee
The Lowest-Rate Card That Doesn’t Cut Corners
No rewards complexity to manage. Just ACU’s lowest rate and the tools to use your card with confidence.
8.79% Starting APR
One of the lowest credit card rates you’ll find anywhere, and that’s the ongoing rate, not an introductory tease that expires.
Balance Transfers Welcome
Move debt from high-rate cards elsewhere onto your lowest-rate ACU card. Ask us about current balance transfer offers before you transfer.
No Annual Fee, Ever
Carry this card your entire life and never pay a cent just to have it. What you save in fees more than covers the cost from day one.
Falcon Fraud Protection
Advanced risk detection monitors every transaction automatically. EMV chip technology adds a second layer of physical security on every purchase.
Apple Pay, Google Pay & Samsung Pay
Your Platinum card works with every major digital wallet. Tap to pay anywhere contactless is accepted, nothing to configure.
Local Decisions, Real Service
Your account is managed by ACU staff in your community, not an out-of-state call center. Stop by any branch with questions.
Visa Platinum Rates at a Glance
All rates subject to creditworthiness and change without notice. View the complete rate and fee schedule for full terms.
Effective October 1, 2026 · View Full Lending Rate Schedule →
| Rate / Fee | Visa Platinum | Visa Platinum Rewards | Green Rewards |
|---|---|---|---|
| Purchase APR | 8.79% to 18.00% variable | 9.79% to 18.00% variable | 15.99% fixed |
| Balance Transfer | Ask about current offers | Standard purchase rate | Standard purchase rate |
| Cash Back | None | 1% (redeems Nov to Dec) | 1.50% (monthly deposit) |
| Annual Fee | None | None | None |
| Balance Transfer Fee | None | None | None |
| Credit Required | Good to Excellent | Good to Excellent | Fair to Good |
*APR = Annual Percentage Rate. Your rate for purchases is 8.79% to 18.00% variable based on creditworthiness and varies with the Prime Rate. See full Visa disclosure for complete terms.
Three Steps to Your New Card
Membership is open to Pacific Northwest residents, military members & their families, and qualifying organizations.
Check Your Membership
You must be an ACU member to apply. Not a member yet? Joining takes about 5 minutes online and opens every ACU product to you. See eligibility →
Review the Rates
The Visa Platinum is best for members who sometimes carry a balance or want to move debt from a higher-rate card. Questions? Call or visit any branch, we’ll help you choose.
Apply Online in Minutes
Complete your secure application at your own pace. Decisions are made locally by ACU staff, not an algorithm in another state.
“I have been an ACU member since 2012. My accounts have included a business account, personal account, credit card, and vehicle loans. Over the years, I have always been greeted with enthusiasm and a helpful attitude. I am proud to say I’m a member of the DuPont Branch America’s Credit Union and often recommend their branch and staff to family and friends.”
Frequently Asked Questions
Yes. ACU membership is required to apply for any ACU credit card. The good news: joining takes about 5 minutes online and costs only $25 to open a Regular Share Savings account. Once you’re a member, every ACU product, checking, savings, loans, and cards, is available to you.
You don’t need perfect credit, but stronger scores get lower rates. The Visa Platinum APR ranges from 8.79% to 18.00% based on creditworthiness. If your credit is still building, consider the Green Rewards Card, which is designed for fair credit scores.
Balance transfer offers change; ask us for the current terms before you transfer. Outside an offer, a transferred balance transfers to your standard purchase APR. To get the most benefit, focus on paying down your transferred balance as quickly as you can.
After approval, contact ACU as soon as possible with the account details of the card(s) you want to pay off. ACU pays those balances directly and transfers the amount to your new Platinum card. If you plan to close old accounts, first confirm all outstanding balances and fees are paid.
Your Platinum card uses EMV chip technology for physical security and is enrolled in Falcon fraud monitoring, an advanced risk detection system that flags unusual transactions automatically. You can also set up purchase alerts and card controls in the ACU mobile app.
Your ACU Visa Platinum works with Apple Pay, Google Pay, Samsung Pay, and Visa Checkout. Set up once in your phone’s wallet app and tap to pay anywhere contactless is accepted.
Legal Disclosures
*APR = Annual Percentage Rate. Your APR for purchases is 8.79% to 18.00% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. See full Visa Account Disclosure and ACU Card Terms and Conditions for complete information.
Stop Paying 20% on Another Card
Apply for ACU Visa Platinum and bring your rate down, starting today. No annual fee, no tricks, just a lower rate from a credit union that’s on your side.
Apply for Visa Platinum