1.844.825.6728  |  support@valorcu.org  |  Routing # 231386331

Visa Premier Cash Credit Card

Featuring 1% Cash Back and Competitive Rates

About

Get the card that pays you back – The Visa Premier Cash Credit Card with 1% cash back earned on all purchases.

Details at a Glance

  • Rates as low as 9.24% APR*
  • No Balance Transfer Fee
  • No Annual Fee
  • Verified By Visa
  • Secure Visa Checklist
  • Lost/Stolen Visa Credit Card:
    1‑800‑253‑2334 option 3

Featuring 1% cash back, no annual or balance transfer fees, and competitive rates, our Visa Premier Cash Credit Card is a great way to get a return on your purchases.

Verified by Visa

Add an extra layer of security to your Visa Premier Cash Credit Card with this online protection service excusive for Visa cardholders. Visit Verified by Visa to create a personal password that will be linked to your Visa card and used to verify your identity when you shop online.

Member's Choice Borrower Security

Life can be unpredictable so it's important to have the right protection in place, even on your loans. For that reason, we offer a new program called Member's Choice Borrower Security in the case that if something happens to you, your loved ones aren't responsible for paying your debt.

There are three program options to choose from: Loss of Life, Disability, Loss of Life & Disability, and Loss of Life, Disability and Involuntary Unemployment. Each option offers a low-cost premium that is built right into your monthly loan payment making it one less thing to worry about. Plus, as you pay down your loan, the premium goes down as well.

Disclosure Statement

Interest Rate and Interest Charges
Annual Percentage Rate (APR) For Purchases 9.240% - 17.990%
Variable rate - Rate determined on credit worthiness and will vary with the market based on Prime Rate.
APR For Balance Transfers 9.240% - 17.990%
Variable rate - Rate determined on credit worthiness and will vary with the market based on Prime Rate.
APR For Cash Advances 9.240% - 17.990%
Variable rate - Rate determined on credit worthiness and will vary with the market based on Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance owed each month by the payment due date. We will begin charging interest on cash advances on the transaction date.
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
Transaction Fees
  • Foreign Transaction
1.00% of each foreign currency transaction in U.S. dollars.
0.80% of each foreign U.S. Dollar transaction that occurs in a foreign country.
Penalty Fees
  • Late Payment
  • Returned Payment
  • Over-The-Credit Limit
  •  
  • Up to $25.00
  • Up to $25.00
  • Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for details.

Apply Online

Start Your Application

You may also contact a member service representative by calling 1.844.825.6728 or visit one of our branches.


Conditions & Notes

* Annual Percentage Rate. Variable rate - Rate determined on credit worthiness and will vary with the market based on Prime Rate. The value of the cash back amount may be reported to the IRS as non-employee compensation via the filing of IRS Form 1099-MISC. Card offers variable rates starting as low as 9.24% APR and are based on credit worthiness. Rates vary with market based on Prime Rate.

*All purchases posted on November 2016 and December 2016 statements will receive 1.99% APR until 6/30/2017 regardless of credit history. After end of promotion period, rate will convert to current rate based on credit history. Card offers variable rates starting as low as 9.24% APR and are based on credit worthiness. Application for new card holders based upon credit worthiness. Rates vary with market based on Prime Rate. Rate and terms subject to change without notice. Inquire at credit union for complete terms and conditions.


Rate current as of: 11/01/2016

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Make Your Holidat Shopping Easier
LIMITED TIME
  • Use your VISA Premier Cash Credit Card or apply today and pay only 1.99% APR* on all purchases made until 12/31/2016, plus earn 1% cash back!

Apple Pay

Available for use with Apple Pay
Apple Pay