ACU VISA Credit Cards

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!
  • Visa Platinum 
  • Visa Platinum Rewards

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.

[See Our Rates]

More ACU Personal Finance Options

*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.