Visa Savings Secured | The Police Credit Union

Features and Benefits

If you have a limited credit history, this card provides Visa® benefits with a fixed rate and low monthly payments.

Rewards Points

Earn rewards every time you use your card and redeem them for Amazon gift cards, travel, and more.

Fraud & Purchase Alerts

Automated, immediate fraud alerts & real time email or text notifications with Visa® Purchase Alerts.

Travel Benefits

Lost luggage reimbursement, Travel Accident Insurance & Auto Rental Collision Damage Waiver.

Payment Protection

Protect yourself against financial disruptions that might occur by using The Police Credit Union’s Payment Protection for your loans.

Extended Warranty & Price Protection

Helping you manage, use and extend your warranties while also making sure you get the best deal on a purchase.

Personal Identity Theft Benefit

Reimbursement for covered expenses incurred if you are the victim of identity theft.

CU Rewards Program

Get rewarded for the things you do every day! The CURewards Program gives you one CURewards point for every dollar you spend using your The Police Credit Union Platinum Visa^® credit card. Then you can parlay those points into enriching rewards such as a vacation or gift cards or name-brand merchandise.

Earn one CURewards point for every dollar spent
Rewards available starting at 2,500 points
Total points are calculated automatically and updated on your statement in Digital Banking
Earn bonus points and special offers by shopping in-store or online at your favorite retailers that participate in the CURewards Program
Redeem CURewards points for cash deposited into you checking or savings account or for a credit on your Visa statement

You can browse the CURewards Mall within the CURewards website and locate special deals from retailers such as Wal-Mart, AMC Theaters and thousands more.

couple looking at clothes in outside market

Already a Visa Cardholder? Visit our Visa Cardholder Resources for helpful information.

GO TO VISA CREDIT CARDHOLDER RESOURCES

Rates & Disclosures

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Interest Rates and Interest Charges

Standard APR for Purchases, Balance Transfers and Cash Advances	Platinum Visa^®: 9.25% - 15.25% Variable APR based on your creditworthiness. Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal (“Index”). Savings Secured Visa^®: 7.50% Fixed APR.
Penalty APR and When It Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	None
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Set Up and Maintenance Fee	Annual Fee	None
	Account Set-up Fee	None
	Participation Fee	None
	Additional Card Fee	None
Transaction Fees	Balance Transfer	None
	Cash Advance	None
	Foreign Transaction	1% of foreign transactions in US Dollars
Penalty Fees	Late Payment	$15
	Over-the-Credit Limit	None
	Returned Payment	$25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Visa® Credit Card Share Secured Agreement

Ready to get started?

APPLY FOR A SAVINGS SECURED VISA

Visa Savings Secured Credit Card