VISA® CREDIT CARDS

Easy to Apply, Quick Approvals

With a low rate, no annual fee, no balance transfer fee and no cash advance fee or higher rate for cash advances, carrying our card is just a great value – plain and simple. Click here for our disclosures.

 

 

VISA® Platinum Rewards Credit Card

 

 Apply Online     

 

VISA Platinum Rewards Benefits:

  • Low, introductory rate as low as 2.90% APR*
  • Earn points toward gift cards, gadgets & more – each time you use your card
  • No  annual fee*
  • No balance transfer fees*
  • No cash advance fees*
  • 25-day grace period for purchases
  • Warranty manager
  • Auto rental insurance
  • Travel assistance services
  • Statement checks
  • Accepted at merchants and ATMs worldwide

 

VISA® CURewards Program

Already a cardholder? Click here to redeem your points.

EMV Cards

Click here for information about EMV Cards.

To apply for a Fortera Credit Union credit card, click here!

 

VISA® Secured Credit Card

 Apply Online    

 

Perfect for Building or Rebuilding Credit

In today's world, having a credit card is practically a necessity. But, what if you don't have an established credit history, or you've had credit problems in the past and want a fresh start? In these situations, the Fortera Credit Union Secured VISA® Credit Card is an ideal solution!

What is a "Secured" Credit Card?

With a Secured VISA® Credit Card, money in your savings account is used as collateral, or security, for your credit card. You continue to earn dividends on your savings as you build or re-build your credit history with responsible use and on-time payments.

How Does It Work?

Decide how much of a credit limit you would like on your Fortera Credit Union Secured VISA® Credit Card.

  • Put that amount into your Fortera Credit Union savings account to be held as collateral. This money may not be withdrawn while it is being used as collateral for your credit card.
  • You may use your Secured VISA® Credit Card to make purchases, up to your credit limit, which is the amount on deposit in your savings account.
  • Each month make on-time payments to establish a good track record.
  • Your good track record will be reported to the credit bureaus, which means you begin building a positive credit history.

Advantages of a Secured VISA® Credit Card
No previous good credit is required to obtain a Secured VISA® Credit Card and you control your limit with the amount you deposit in savings. Plus, as you get into the habit of making your payments on time, you'll be rewarded with a credit score that opens up options for loans down the road.

Ideal for College Students

A Secured VISA® Credit Card provides convenient access to funds for students and can help them build their own credit history.

Enjoy the Convenient and Affordable Secured VISA® Credit Card

No annual fee

  • No balance transfer fee
  • Low minimum payments - only $25 or up to 3% of balance, whichever is greater
  • Verified by VISA® online protection
  • 25-day grace period
  • Accepted worldwide at retailers and ATMs that display the VISA® logo

EMV Cards

Click here for information about EMV Cards.

 

Credit Card Customization - Get Personal!

Fortera Credit Union is excited to offer our members Design Your Own Card, a new and fun way to personalize your credit card. And, your first customization is FREE!

Customize Your Credit Card with a Favorite Photo*

Customize Your Credit Card with a Favorite PhotoFortera Credit Union is excited to offer our members Design Your Own Card, a new and fun way to personalize your credit card. And, your first customization is FREE!

  1. Access your Credit Union VISA® through Online Banking. Look for the Design Your Own Card icon.
  2. Upload a favorite photo of your kids, pet, or favorite vacation picture.
  3. Your new credit card will be delivered to you in three weeks.

Each time you pull your customized card out of your wallet, you will be reminded of the special people, pets or moments in your life. Turn your common ordinary card into something truly unique and memorable and customize your credit card today!

*A $15 fee will apply for each card after your first free customized card.

  

 

Transfer Balances and Save!

Your Fortera Credit Union VISA® Credit Card saves you money!

Not only will you enjoy low interest rates and No Annual Fees, you can also save by transferring balances over from other credit cards with No Balance Transfer Fees!

There are 3 ways to transfer balances to your Fortera Credit Union Visa® Credit Card:
  1. Take a cash advance from your Fortera Credit Union VISA® Credit Card and make a payment directly to the credit card you wish to pay off.
  2. Visit one of our convenient branch locations and speak to a Member Advisor.
  3. Log in to Online Banking.

    • Click the gray ‘Credit Cards’ tab at the top of the page.

    • Using the dropdown, select the Credit Card account you want to transfer balances to and then click ‘Next’. (Note: Before you can begin this step, you may need to click the ‘here’ link in the pop-up blocker warning text if you have pop-up blockers set.)

    • Click the red ‘Services’ tab and then select ‘Balance Consolidation’

    • • Enter required information.
    • • Click submit

     

 Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases 2.90%, 4.90% or 8.90% Introductory APR for a period of 12 billing cycles based on your creditworthiness.
After that, your APR will be 6.90% to 17.90% based on your creditworthiness. This APR will vary with the market based on Prime rate.
APR for Balance Transfers 2.90%, 4.90%, or 8.90% Introductory APR for a period of 12 billing cycles based on your creditworthiness.
After that, your APR will be 6.90% to 17.90% based on your creditworthiness. This APR will vary with the market based on Prime rate.
APR for Cash Advances 2.90%, 4.90%, or 8.90% Introductory APR for a period of 12 billing cycles based on your creditworthiness.
After that, your APR will be 6.90% to 17.90% based on your creditworthiness. This APR will vary with the market based on Prime rate.
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
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

Fee Type Fee
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

None
None
.80% of each transaction in U.S. dollars
Penalty Fees
  • Late Payment
  •  
  •  
  • Returned Payment Fee

 

Up to $22.00 – or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

Up to $20.00 – or the amount of the required minimum payment, whichever is less.


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

Promotional Period for Introductory APR. The introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to your account during the first three (3) months following issuance of your card.

Effective Date.
The information about the costs of the card described in this application is accurate as of February 29, 2016. This information may have been changed after that date. To find out what may have changed, contact the Credit Union.