Visa Credit Card

Interior FCU credit cards offer features and benefits that are carefully matched to specific individuals’ needs. We offer competitive interest rates. We also offer special deals on balance transfers from other loans.

Interior FCU Visa® Credit Cards
Card Comparison Chart
What is ScoreCard® Rewards?
Credit Resource Center
ScoreCard® Rewards Q & A
Verified by Visa
VISA® Credit Card Authorized User
VISA® Credit Card Information

Interior FCU Visa Credit Cards

Visa® Platinum

  • Rates as low as 9.9% Annual Percentage Rate (APR)
  • ScoreCard® Rewards
  • No annual fee
  • Available with a credit line of $5,000 to $20,000

Visa® Gold

 
  • Rates as low as 7.9% Annual Percentage Rate (APR)
  • No annual fee
  • Available with a credit line of $5,000 to $15,000

Visa® Classic

 
  • Rates as low as 11.9% Annual Percentage Rate (APR)
  • ScoreCard® Rewards
  • No annual fee
  • Available with a credit line of $500 to $10,000


Card Comparison Chart

 
Visa® Platinum
Visa® Gold
Visa® Classic
APR*
9.9%
7.9%
11.9%
Credit Limit
From $5,000 to $20,000
From $5,000 to $15,000
From $500 to $10,000
Minimum Payment
2% of Balance, Maximum $20.00
2% of Balance, Maximum $20.00
2% of Balance, Maximum $20.00
Method of Computing Balances Purchases Average daily balance including new purchases
SET-UP/MAINTENANCE
No Annual Fee
●
●
●
No Account Set-up Fee
●
●
●
No Penalty APR and When It Applies
●
●
●
No Program Fee
●
●
●
No Participation Fee
●
●
●
No Account Maintenance Fee
●
●
●
No Additional Card Fee
●
●
●
No Inactivity Fee
●
●
●
No Application Fee
●
●
●
No Minimum Finance Charge
●
●
●
No Statement Fee
●
●
●
No Document Fee
●
●
●
No Document Fee
●
●
●
No PIN Replacement Fee
●
●
●
TRANSACTION FEES
No Cash Advance Fees
●
●
●
No Balance Transfer Fees
●
●
●
No Transaction Charges
●
●
●
No Unreturned Card Fee
●
●
●
No Card Recovery Fee
●
●
●
Car Rental Insurance
●
●
●
Lost/Stolen Card
●
●
●
Reporting
●
●
●
Worldwide Acceptance
●
●
●
PENALTY FEES APPLICABLE TO ALL VISA CARDS
Grace period ●25 days grace period at time of purchase.
Late Payment Fee ●5% of the minimum payment due if you are 14 days or more late, maximum is $25.00
Variable rate ●Rate are subject to change with 45 days notice.
Return Payment Fee ●$15.00
How to Avoid Paying Interest on Purchases ●Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board ●To learn more about factors to consider when applying for or using a credit card. Visit the web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard 1.00% of each multiple currency transaction in US dollars 0.80% of each single currency transaction in US dollars
Foreign Transactions Fee ●1.00% of each multiple currency transaction in US dollars
0.80% of each single currency transaction in US dollars
Emergency Card Replacement Fee ●$150.00
Rush Fee ●$45.00
Pay By Phone Fee ●$10.00
 
   

*APR - Annual Percentage Rate

Effective Date. The information about the costs of the card described in this table is accurate as of April 1, 2011. This information may have changed after that date. To inquire what may have changed, contact 202-208-3936.

Credit Resource Center

What kind of credit card should I apply for? The credit union offers two great resources on how to apply and manage your credit cards.

Personal Finance Resource Center offers articles, calculators, Home & Family finance radio, and video. The resource center will guide you through your debt and credit management.

Anytime Adviser Coach is an interactive guide that coaches you to manage credit wisely to achieve your goals.

What is ScoreCard Reward?

You use your ScoreCard for everyday life. To purchase groceries. To pay for an oil change. Even to buy that last minute gift for a friend. So, while you're busy taking care of your life, who's taking care of you? Your ScoreCard. Each purchase you make with your card earns you valuable Bonus Points you can redeem for brand name merchandise and exciting travel rewards. To find out how many Bonus Points you need to reach your destination, click here or call 1-800-842-3006.

ScoreCard Q & A

Q: How do I earn ScoreCard Bonus Points?
A: Simply use your ScoreCard credit card and for every dollar in net purchases (sales minus returns), you will earn ScoreCard Bonus Points.

Q: How will I be notified of the number of Bonus Points that I have accumulated?
A: Bonus Point information is communicated in an easy-to-read format on your quarterly ScoreCard statement or on your credit card statement. You may also obtain ScoreCard Bonus Points information by visiting this web site or by calling 1-800-854-0790.

Q: Can I combine my Bonus Points with those earned on more than one credit card or from other programs?
A: No. Bonus Points may not be combined from different card accounts or used in conjunction with other reward programs.

Q: For merchandise redemptions, how long after I place my order should I expect to receive the ordered items?
A: Generally, awards will be shipped from the Award Headquarters via a parcel delivery service or by the U.S. Postal Service and should arrive in 4-6 weeks after your order is received. Some items may be shipped directly from the manufacturer. You will be notified if there is a delay in filling your order. If the item is no longer available, a substitute of equal or greater value will be shipped. Occasionally, a similar substitute may not be available. In that instance, you will be contacted and assisted with making another award selection or your Bonus Points will be added back to your account.

Q: What happens if my merchandise awards arrive damaged?
A: Please check your packages closely for any apparent damage before signing to accept any packages. If there is damage, please write a note on the delivery receipt before signing to accept the package. If after you open the package you find damage, please follow the directions on your packing slip that comes with the package and notify ScoreCard Award Headquarters of the damage. You will be given instructions and a return authorization number to return the award for replacement.

Q: What is a Full-Option ticket?
A: A Full-Option ticket provides you with the alternate choice to have a credit applied toward the purchase of an airline ticket to any destination, class of service and most major airlines with no restrictions. A Full-Option ticket requires an additional $25 service fee and any additional monies owed up to the full value of the ticket selected.

Q: Is the Federally imposed Security fee included with my airline Ticket?
A: No, like other airline frequent flyer ticket awards, you are responsible for that fee. It will be collected at the time of booking the ticket and will be $2.50 per segment flown and will not exceed $5.00 per one-way or $10.00 per round trip.

Q: Can I change or return my airline ticket if my plans change after the ticket is issued?
A: You may not return a ticket to ScoreCard Award Headquarters but you may contact an airline directly for changes. Any change is subject to the rules and regulations of the particular airline and is subject to change fees and penalties they may impose, if any.

Q: If I don’t have enough Bonus Points for the award I want, can I buy the extra Bonus Points I need?
A: No. A sufficient number of Bonus Points must be available in your account to redeem for an award you may select. Bonus Points are not available for purchase.

Q: When can I order awards?
A: Whenever you'd like. As long as your account is in good standing (not delinquent with your payment, canceled or closed) and you have enough Bonus Points, you may order awards at any time.

Q: How do I order awards?
A: For merchandise awards, you may always print an order form to use for ordering. Simply complete the form including all information requested and mail to the address printed on the form. You may also order from the on-line shopping cart feature. Travel awards, airline tickets, vacation packages and cruises may be ordered by calling 1-800-842-3006 and booking your tickets with a ScoreCard Travel counselor. Certificates for rental cars and hotels may also be ordered by using the award order form found online. Please allow 4-6 weeks for delivery of car rental/hotel certificates.

Q: Where can I get a complete list of available merchandise awards?
A: Your Credit Union has a complete list and printed order forms available for your use.

Verified by Visa

Verified by Visa is a free service that protects your Visa card from unauthorized online purchases, using a password you create. You'll rest assured, knowing that your Visa card is safe when you shop at participating online stores. For more information, and to activate Verified by Visa, click here.


VISA® Credit Card Authorized User

Authorized Users The VISA® cardholder will have to sign a VISA® Credit Card Authorized User form that states they will be solely responsible for all usage by their designated Authorized Users.