Low Interest Rate
Save money with our competitive rates.
No Annual Fees on Personal Cards
Never pay a fee to carry our personal credit cards.
Online/Mobile Banking & Card App
Enjoy 24-hour access to your account.
EMV chip security enhancement keeps your card safe.
ACU Green Rewards Card
For people with less than perfect credit, the ACU Green Rewards Visa Card is the perfect card when you want cash back and plenty of benefits.
Cash back Rewards of 1.50%
No annual fee
15.99% Fixed APR* on new purchases.
ACU Platinum Card
The ACU Visa Platinum card offers our lowest variable rate.
No annual fees
10.04% – 18.00% APR on new purchases based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate.
Personalized images on card for only $15
ACU Platinum Rewards Card
The ACU Platinum Rewards Visa is the perfect card when you want a low rate, rewards, and a rich assortment of benefits.
No annual fee
1% cash back** on purchases
11.04% – 18.00% APR on new purchases based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate.
Personalized images on card for just $15
ACU Business Credit Card
The ACU Business Credit Card features a low fixed rate, cash back, security, local control and strong benefits.
Fixed rate of 16.99%APR*
$49 annual fee (first year waived)
2.00% cash back on all purchases minus returns
Secure EMV Credit card
Benefit include: Purchase Security and Extended Protection, Auto Rental Collision Damage Waiver, and Travel and Emergency Assistance Services.
All ACU Visa Cards Come With Great Features and Benefits:
No matter which ACU card best fits your needs and lifestyle, you always get these great features and benefits.
- EMV chip security enhancement (what is EMV?)
- Auto Rental Collision Damage Waiver
- 24-hour access to your account through Online Banking and Mobile Banking
- Card controls with the ACU Card App (for Platinum and Platinum Rewards cards)
- Online shopping with Visa Checkout
- Online shopping with Apple Pay
- Online shopping with Samsung Pay
- Online shopping with Google Pay
- 25-day grace period
- Immediate emergency card replacement (no cost for replacements due to fraud, $5.00 to replace lost cards)
- Personalized images on cards for just $15!
View ACU Card terms and conditions here.
ACU Visa Credit Card Rates
At ACU, our cards always come with great rates. Whether you chose a card with rewards, a business card, or a card for rebuilding your credit, competitive rates are in your future.
Transfer Your Credit Card Balance
Transfer high-interest balances from other financial institutions and save! Consolidate your different card balances into one low payment on your ACU account at a great rate. [There are no international transaction fees.]
“I’ve 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. Ms. Lydia and Zach have been available to answer any questions I’ve had.
I am proud to say I’m a member of the DuPont Branch Americas Credit Union and often recommend their branch and staff to family and friends.”
More ACU Personal Finance Options
Borrow a minimum of $500 and a maximum of $25,000 based on your individual needs and creditworthiness.
Whether you’re an undergraduate, graduate student, or parent, get money for school from Sallie Mae® Student loans from ACU.
Home Equity Loans
Access the equity in your home to consolidate debt, do home improvement projects, pay for a wedding, cover unexpected expenses, and more.
*APR=Annual Percentage Rate. Your APR for purchases is 10.04% – 18.00% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. See full Visa disclosure or Business Visa disclosure for more information.
Verified by Visa enrollment is no longer required on ACU cards, but rest assured that your ACU Visa card transactions are still secure. Your security is important, therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption.
** Cardholders will earn a one percent (1%) cash reward for every one dollar ($1.00) in net purchases (purchases minus returns/credits) made on your Credit Card Account, rounded to the nearest one cent ($0.01). You do not earn Cash Rewards on cash advances of any kind, balance transfers, any interest or fees, including but not limited to returned payment fees, and late fees. Your Cash Reward balance will be calculated monthly and a rolling total will appear on your Visa statement. Your account must be open and in good standing (not cancelled or terminated by either party, not delinquent or otherwise not available to use for charges) at the time of redemption.
***Balance Transfer Disclosure: Offer applies only to balances transferred with cash advances done by America’s Credit Union (ACU) to pay off existing balances with other creditors. There is no grace period for balance transfer transactions; interest is charged from the date of posting. Business Visa and Aspire Visa are excluded from this promotion. We apply your minimum payment to balances with the lowest APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. Your other debt account(s) will not be closed by ACU (even if you transfer your entire balance). If you wish to close other accounts, please contact the creditor. You should make at least your minimum payment on any card on which you are transferring a balance until you receive confirmation from the creditor that your balance transfer payment has been received, ACU is not responsible for late payments on other debt account(s). In the event that your request(s) exceed the amount of your credit line, then ACU will fulfill your requests in numeric order as listed on your request. ACU may decline to process one or more requests and/or may complete one request in a partial amount. Your APR for new purchases is 5.54%- 18.00% based on your credit worthiness and will vary with the market based on Prime Rate.