Every Purchase Pays You Back
You’re already spending. Every dollar without a rewards card is money left on the table. ACU Platinum Rewards earns 1% cash back on everything, with no annual fee to cancel it out.
Earn While You Spend. It’s That Simple.
Compare ACU’s Visa credit cards. All have no annual fee. Pick the one built for how you use credit.
Visa Platinum
Best for carrying a balance or transferring debt
- Ask about current balance transfer offers
- ACU’s lowest rate card
- No annual fee
- Falcon Fraud protection
Visa Platinum Rewards
Best for everyday spenders who want cash back
- 1% cash back on all net purchases
- Redeems Nov to Dec, built-in holiday bonus
- Competitive 9.79% to 18.00% APR
- No annual fee
Green Rewards
Best for building credit and earning more cash back
- 1.50% cash back deposited monthly to savings
- Fair credit scores welcome
- 15.99% fixed APR
- No annual fee
More Than a Card. A Monthly Paycheck on Your Purchases.
Groceries, gas, travel, services, every purchase earns. No category limits. No fee to wipe out your rewards.
1% Cash Back on Everything
Groceries, gas, travel, restaurants, services, every dollar you spend earns a cent back. No restricted categories, no spending caps by category.
Holiday Lump-Sum Redemption
Cash back accumulates all year. Redeem it November 1 through December 31 for a built-in holiday bonus. It’s the gift that comes from your own spending.
Competitive 9.79% Starting APR
Low enough to carry a balance when life happens, without the punishing rate most bank rewards cards charge. You earn rewards AND keep a safety net.
No Annual Fee, Ever
Your cash back is pure net profit, not a partial rebate on an annual charge. Carry this card your whole life and never pay a cent just to have it.
Balance Transfer Option
Consolidate high-rate balances from other cards into one lower payment at ACU. One card, one payment, more breathing room in your budget.
Full Digital Wallet Access
Apple Pay, Google Pay, Samsung Pay, and Visa Checkout all work with your Rewards card. Manage alerts, controls, and spending in the ACU mobile app.
Platinum Rewards Rates at a Glance
All rates subject to creditworthiness and change without notice. View the complete 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 9.79% to 18.00% variable based on creditworthiness and varies with the Prime Rate. Cash back rewards are capped at $250 per calendar year and are redeemable November 1 to December 31 each year; rewards not redeemed by December 31 expire on January 1. See full Visa disclosure and ACU Card Terms and Conditions for complete details.
Three Steps to Start Earning
Membership is open to Pacific Northwest residents, military members & their families, and qualifying organizations.
Become an ACU Member
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 →
Check Your Rate
Your APR is based on creditworthiness and ranges from 9.79% to 18.00%. Questions? Call or visit any branch, real people answer.
Apply Online, Get a Decision Locally
Complete your secure application at your own pace. ACU staff, not an out-of-state algorithm, make the credit decision.
“Made an account with ACU when no other financial institution would. With some help the other day over the phone, I was able to get a credit card. In the past this would have been over an hour on hold, it was a matter of texting and emails. So simple and much less time consuming. I’ve had good service and experiences with ACU staff.”
Frequently Asked Questions
Yes. ACU membership is required to apply for any ACU credit card. Joining takes about 5 minutes online and requires a $25 deposit to open a Regular Share Savings account. Once you’re a member, all ACU products, checking, savings, loans, and cards, are available to you.
You earn 1% back on every net purchase made with your Platinum Rewards card. Rewards accumulate monthly in a running total shown on your statement, and are redeemable once per year between November 1 and December 31. Think of it as a built-in holiday bonus funded by your everyday spending.
Yes. Cash back rewards are capped at $250 per calendar year.
Yes. Rewards must be redeemed between November 1 and December 31 each year. Cash back not redeemed by December 31 expires on January 1 of the following year.
All net purchases earn rewards, groceries, gas, restaurants, travel, services, and more. Cash advances, balance transfers, interest charges, and fees do not earn rewards.
Your Platinum Rewards card uses EMV chip technology and is enrolled in Falcon fraud monitoring, which flags unusual transactions automatically. You can also set up custom alerts and card controls in the ACU mobile app.
Legal Disclosures
*APR = Annual Percentage Rate. Your APR for purchases is 9.79% 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 for more information.
**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. Maximum Cash Rewards are $250 per calendar year, redeemable November 1 to December 31 each year. Rewards not redeemed by December 31 expire on January 1. Your account must be open and in good standing at the time of redemption. See ACU Card Terms and Conditions for complete details.
Your Spending Already Earns. Are You Collecting?
Apply for ACU Visa Platinum Rewards and start getting cash back on everything you buy, with no annual fee to cancel it out.
Apply for Platinum Rewards