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Overview
The card you'll reach for every time
You want a credit card that gives you the lowest fees and the best perks. At AFFCU, we understand there’s nothing more important in a credit card than a great rate, convenience, security protection, and a fantastic rewards program. With the AFFCU Visa Platinum card, you’ll get all this and more. Open your credit card today and start enjoying the platinum lifestyle you deserve.
To explore the wide range of rewards available to you on your Visa Platinum card, visit Credit Card Rewards.
- No annual fee, low rate and low monthly payments
- Same rate for purchases, balance transfers and cash advances
- Zero liability protection in case of fraud
- Free Verified by Visa fraud protection
- A wide range of reward options, learn more!
"With the expert help of the credit union representative, I was able to make my dream a reality and I can’t thank AFFCU enough.”
Jon Hooper, member since 2014Easy applicationsGet your Visa Platinum card by coming into a branch, giving us a call, or applying right here online.
Apply NowCredit Card Interactive Lesson
Credit cards are a valuable financial tool that may build or improve your credit when used responsibly. The key is understanding whether a credit card is the right decision for you.
GET STARTEDCredit Scores and Reports Interactive Lesson
Understanding how credit scores and reports work can help you achieve financial goals such as buying a home, leasing a car, or paying off debt.
GET STARTEDExplore the wide range of rewards on your Visa Platinum card.
Whether you’re interested in electronics, travel, or just want the perfect gift card, you can earn stellar rewards through our CU Rewards program. When you spend, you’ll earn points you can redeem for anything from a new vacuum to a dream vacation. With our Visa Platinum card, you’ll get 2,500 bonus points just for signing up, no strings attached.
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Rates
Type Visa® Platinum Credit Card Rates
APR* Visa Platinum Card 7.75% Apply Today * APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR for purchases is 7.75% to 14.75% when you open your account, based on your creditworthiness. After that your APR will vary with the market based on the Prime Rate.
- Minimum monthly payment due will be the greater of: a) 2.5% of outstanding balance or b) $10.
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Calculator
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Questions
Frequently Asked Questions
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How can I pay my monthly credit card bill?
There are five ways to pay your monthly credit card bill?
- In person at an AFFCU branch (link to ATM & Locations page)
- By phone at 800-227-5328 or 210-673-5610
- In Online Banking
- In Mobile Banking
- By mail
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What will be my minimum monthly payment?
2.5% of the balance or $10.00; whichever is greater.
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How do I view my credit card balance?
There are five easy ways to view your monthly statement:
- In Online Banking
- In Mobile Banking
- In an AFFCU branch (link to ATM & Locations page)
- At 800-637-7728 and follow the voice prompts
- In your electronic statement or mailed paper statement
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Does my credit card charge a foreign-transaction fee?
Yes, when traveling abroad, there is a Visa International Service Fee, that is 1% of the transaction amount.
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Is there a late payment fee?
Yes. It can be up to $37.00, but no greater than the minimum payment amount.
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What security protections does this card have?
We're glad you asked. Security is of utmost importance to us. Each of our cards comes with:
- EMV Technology—this chip-enabled security provides an extra layer of security when used in a chip card reader.
- Verified by Visa—a free, simple-to-use service that confirms your identity with an extra password when you make an online purchase.
- Zero Liability Protection—you won’t be held responsible for unauthorized charges made with your card or account information.
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How can I pay my monthly credit card bill?
Platinum Credit Card - A card with class
Enjoy the benefits of a platinum lifestyle
Click here for disclosures
Apply NowHow can we help you succeed?
- What would you like to borrow for?
- A home
- Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
- A vehicle
- Cool! Are you looking for a regular car, or something a little more adventurous?
- Something adventurous
- Awesome! We have low rates and long terms for all kinds of exciting vehicles, including Boats, RVs, and Motorcycles.
- A regular car is fine with me
- Sounds good! We have low rates available for both new and used
Auto Loans. We can also Refinance your current loan with another institution.
- Sounds good! We have low rates available for both new and used
- Something adventurous
- Cool! Are you looking for a regular car, or something a little more adventurous?
- An education
- Right on! We have Student Loans available through our trusted partner, Sallie Mae.
- Something else
- Sounds good! Are you more interested in a lump sum or a line of credit?
- Lump sum
- Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
- Line of credit
- Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
- Lump sum
- Sounds good! Are you more interested in a lump sum or a line of credit?
- I’m mostly interested in a credit card
- Sounds good! Be sure to check out our Platinum Credit Card. It’s one of the best deals around, and includes plentiful rewards.
- A home
- What would you like help with?
- Accessing my accounts
- Okay, how would you like to access your accounts?
- Online
- Ok! Is this is your first time using Online Banking?
- Yes
- Sounds good. You can enroll in Online Banking right here. You’ll need your social security number and AFFCU member number.
- No
- Great. To access your account, simply click “Login” in the upper right hand corner of the page.
- Yes
- Ok! Is this is your first time using Online Banking?
- On my mobile device
- Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Online
- Okay, how would you like to access your accounts?
- Opening a checking account
- Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
- Signing up for eStatements
- Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
- Running my small business
- Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
- Getting insurance
- Perfect, we offer discounts on auto, home and life insurance through our partner, Trustage.
- Accessing my accounts
- What would you like to save for?
- The holidays
- Nice! We think you’ll love our Christmas Club account.
- I’d like to open a savings account for my child
- Great idea! We have several Youth Savings accounts available, depending on your child’s age.
- Something else – and I’d like to earn a good interest rate
- Do you have some money saved up already?
- Yes, quite a bit
- Nice! Are you okay with leaving your money untouched for a while?
- Sure
- Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
- I’d prefer to make withdrawals when I need to.
- Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
- Sure
- Nice! Are you okay with leaving your money untouched for a while?
- Not much
- No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
- Yes, quite a bit
- Do you have some money saved up already?
- I’d prefer just a basic savings account
- Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
- The holidays