Everything you need in the palm of your hand
0% APR* for 12 months and simpler spending — this piece of plastic is packed with perks.
Benefits You’ll Love
- 0% APR* for the first year; a low variable rate after (see details)
- No annual or cash advance fees
- Powered by Visa® and accepted anywhere
- Take control of your card with CardLink
Why choose our Visa® Platinum credit card?
- Variable rates as low as 9.75% APR or 12.75% APR*
- No annual fees
- No cash advance fees
- No convenience check fees
- Easily view statements and pay bills online
- 10-day grace period with no late fee
- 25 days interest-free on purchases
- Online access via online banking
Balance Transfer
Transfer high-interest accounts to a USEFCU Platinum or Platinum Rewards credit card and take advantage of great low rates! It's an excellent way to consolidate debt from other cards you may carry. Get started by completing one of the following forms. PDF | Online
Take control with USEFCU CardLink
With CardLink, you can manage your USEFCU credit card at any time from your smartphone. You can make payments, send travel notices, lock your card if it is lost, and more! Card registration is easy, and access is secure and protected.
Available to download on the App Store and Google Play.
*APR = Annual Percentage Rate. Rates for our Platinum and Platinum Rewards credit cards are variable and are based on the Prime Rate. Rates are subject to change. The approved rate is based on creditworthiness. Rewards points expire 3 years from the date posted.
Balance transfer amounts are limited to the available funds of your approved credit limit amount. Transfers are considered cash advances, therefore, finance charges will begin to accrue immediately on the transaction date. Transferred amounts cannot be from another USEFCU Visa credit card or loan account. Please continue making payments on your other credit card account(s) until the balance transfer is confirmed on your other institution's account statement.