Credit Cards That Work for You, Not Against You
The national average credit card rate was 20.94% APR in the second quarter of 2026, per Federal Reserve G.19 data. Every ACU Visa starts well below that, with no annual fee and real rewards, because as a member you own the institution that issued your card.
Find the Card That Fits Your Life
Carry a balance? Use the Platinum. Pay it off each month? Use the Platinum Rewards. Building credit? The Green Rewards has you covered. All three have no annual fee.
Visa Platinum
Best if you carry a balance or want the lowest possible rate
- 8.79% to 18.00% APR based on creditworthiness
- No foreign transaction fees
- Personalized card design available
- 24/7 travel & emergency assistance
Visa Platinum Rewards
Best for everyday spenders who pay off their balance monthly
- 9.79% to 18.00% APR based on creditworthiness
- Cash back redeemable each November through December
- Every purchase earns, no category restrictions
- No foreign transaction fees
Visa Green Rewards
Best for building or rebuilding credit with real cash back
- 15.99% fixed APR, no surprises
- Cash back credited to your account monthly
- Fair credit welcome, designed for credit builders
- No foreign transaction fees
Benefits That Come Standard, Not Extra
Other issuers charge annual fees for these. ACU members get them on every card because you own the institution, not the other way around.
No Annual Fee on Any Personal Card
All three ACU Visa personal cards carry a $0 annual fee. You never pay just to keep the card in your wallet. A card that charges you to own it is not a benefit, it is a bill.
No Foreign Transaction Fees
Use your ACU Visa anywhere in the world: overseas, on deployment, or ordering from an international site, without a surcharge. Most cards add 2% to 3% on every foreign purchase. ACU adds nothing.
Tap to Pay & Digital Wallet Ready
All ACU Visa cards support contactless tap-to-pay and work with Apple Pay, Google Pay, and Samsung Pay. Managing and locking your card is handled right inside online or mobile banking.
Worldwide Visa Acceptance
ACU Visa cards are accepted at more than 100 million merchants in over 200 countries. Wherever Visa is taken, your ACU card works, including every military installation worldwide.
24-Hour Travel & Emergency Assistance
Lost card, medical emergency, legal referral: ACU Visa’s 24-hour travel assistance line is available anywhere in the world, any time. Emergency card replacement is free in fraud cases.
Balance Transfers Welcome
Carrying a high-rate balance somewhere else? Transfer it to an ACU Visa and start paying a fraction of what you are paying now. The ACU Platinum starts at 8.79% APR; the national average was 20.94% in the second quarter of 2026 (Federal Reserve G.19).
Compare All Three ACU Visa Cards
One table. Three cards. Find which one matches how you actually spend and borrow.
Effective October 1, 2026 · View Full Rate & Fee Schedule
| Feature | Visa Platinum | Visa Platinum Rewards | Visa Green Rewards |
|---|---|---|---|
| Purchase APR | 8.79% to 18.00% variable* | 9.79% to 18.00% variable* | 15.99% fixed* |
| Annual Fee | $0 | $0 | $0 |
| Cash Back | , | 1% on all purchases** | 1.50% on all purchases** |
| Rewards Redemption | , | November through December annually | Monthly, statement credit |
| Foreign Transaction Fee | $0 | $0 | $0 |
| Best For | Carrying a balance, balance transfers | Everyday spending, pays off monthly | Building or rebuilding credit |
*APR = Annual Percentage Rate. Variable rates adjust with the Prime Rate. Your specific APR is based on creditworthiness at account opening. See full Visa disclosure for complete terms. **Cash rewards calculated on net purchases (purchases minus returns/credits). Rewards are not earned on cash advances, balance transfers, or fees. Account must be open and in good standing at redemption.
Apply for an ACU Visa in 3 Steps
ACU members can apply online in minutes. Not a member yet? Join first; it takes about 5 minutes and a $25 deposit to open your membership.
Become an ACU Member
ACU membership is open to military members and families, Pacific Northwest residents, AUSA members, and their relatives. Join online in 5 minutes with a $25 minimum deposit.
Apply Online in Minutes
Select the card that fits your needs, Platinum for the lowest rate, Platinum Rewards for cash back, or Green Rewards if you are building credit. The online application takes about 10 minutes.
Receive Your Card
Once approved, your ACU Visa arrives in 7 to 10 business days. Add it to your digital wallet immediately after activation and start earning rewards or saving on interest right away.
“The ACU staff are courteous, professional, and great at their jobs. It is a pleasure being a member of this organization.”
Questions About ACU Credit Cards
Straightforward answers to what members ask most before applying. Rates effective February 1, 2026.
ACU offers three personal Visa credit cards: the Visa Platinum (variable APR from 8.79%, no rewards), the Visa Platinum Rewards (1% cash back on all purchases, from 9.79% APR), and the Visa Green Rewards (1.50% cash back monthly, 15.99% fixed APR, designed for building credit). All three have no annual fee. ACU also offers a Business Visa card for business accounts.
The ACU Visa Platinum has the lowest starting APR at 8.79% variable. The national average credit card rate was 20.94% APR in the second quarter of 2026, and 22.15% on accounts that carried a balance, per Federal Reserve G.19 data. If you regularly carry a balance, the Platinum can save you substantially in interest compared to a typical bank card. Your specific rate is based on your creditworthiness at account opening.
No. All three ACU personal Visa cards, Platinum, Platinum Rewards, and Green Rewards, have no annual fee. You will never be charged just for keeping an ACU card in your wallet. (The ACU Business Visa has a $49 annual fee with the first year waived.)
Yes. ACU accepts balance transfers from other credit cards and financial institutions. Transferring a high-rate balance to an ACU Visa Platinum, with rates starting at 8.79% APR, can reduce your monthly interest costs significantly. You can initiate a balance transfer during the application process or after account opening through online banking or by calling ACU.
ACU reviews your full credit profile, not just a score. The Visa Platinum and Platinum Rewards are designed for members with established credit. The ACU Visa Green Rewards is specifically designed for members building or rebuilding credit and welcomes fair-credit applications. If you are unsure which card to apply for, contact ACU to discuss your options before applying.
Yes. All ACU Visa cards are accepted worldwide wherever Visa is taken, including overseas and on every military installation. ACU cards carry no foreign transaction fees and include 24-hour international travel and emergency assistance. ACU has served the military community since 1954 and understands the needs of members at or deploying through Joint Base Lewis-McChord.
Disclosures
*APR = Annual Percentage Rate. Your APR for purchases is 8.79% to 18.00% (Visa Platinum), 9.79% to 18.00% (Visa Platinum Rewards), or 15.99% fixed (Visa Green Rewards) based on your creditworthiness when you open your account. Variable rates will vary with the market based on the Prime Rate. This transaction is subject to credit approval. See full Visa Account Disclosure for complete information, including penalty APRs, fees, and grace period terms. View ACU Card Terms and Conditions.
**Cash rewards are earned at a rate of 1% (Visa Platinum Rewards) or 1.50% (Visa Green Rewards) per dollar in net purchases (purchases minus returns/credits). Cash rewards are not earned on cash advances, balance transfers, interest charges, or fees. Platinum Rewards cash back is calculated monthly and redeemable November through December annually. Green Rewards cash back is credited to your account monthly. Your account must be open and in good standing at the time of redemption. America's Credit Union NMLS 449181.
Stop Paying 20.94% APR to a Bank That Doesn’t Know Your Name
ACU Visa cards start at 8.79% APR with no annual fee, because as a member, you own the institution. Apply online in about 10 minutes.
Apply for an ACU Visa