Credit Cards

*0% introductory APR for 18 months from the date of account opening for purchases and balance transfers that have been submitted to your account within the 90th calendar day from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards, Platinum Preferred Student/Starter, Platinum Clarity and Business Cash Back Visa cards. Conditions apply. For purchases and balance transfers completed after the 90th calendar day, your APR will be 13.74%-17.99% based on your credit card product type, standard purchase and cash advance rates, and your creditworthiness at the time you opened your credit card account. For Variable APR credit cards, the standard APR will vary with the market based on the Prime Rate. For the Non-variable APR credit card (Platinum Clarity card), the standard APR is fixed and will not vary.

There is a 3% introductory balance transfer fee for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable or non-variable APR based on your credit card product.

This introductory APR offer is for new Visa cardmember accounts opened 10/01/2024 – 12/31/2025.

¹APR = Annual Percentage Rate. Membership eligibility applies. Subject to credit approval. Your APR is based on your creditworthiness and not all applicants will qualify for the lowest rate. For Variable APR credit cards, the APR will vary with the market based on the Prime Rate reported within the Wall Street Journal on the first business day of each month. For the Non-variable APR credit card (Platinum Clarity card), the standard APR is fixed and will not vary.

Variable APRs Based on Prime: For our variable rate cards, your Annual Percentage Rate is based on the U.S. Prime Rate (“Prime Rate”). Your Annual Percentage Rate will equal the Prime Rate plus a margin. If the Prime Rate increases, it will cause the Annual Percentage Rate to increase. If the Prime Rate decreases, it will cause the Annual Percentage Rate to decrease. Your FINANCE CHARGE for every $1.00 in your daily balance may increase if the Prime Rate rises and will decrease if the Prime Rate falls. For example, a change in the Prime Rate of one percentage point will result in a one percentage point change in the same direction in your Annual Percentage Rate with a corresponding change in your daily periodic rate. For each billing period, we use the Prime Rate published in The Wall Street Journal on the first business day of each month. If the Prime Rate causes an Annual Percentage Rate to change, we put the new Annual Percentage Rate into effect as of the first day of the billing period following the month in which the Prime Rate changed. We apply the new Annual Percentage Rate to any existing balance, subject to any promotional rates that may apply.

For Cash Back, Platinum Preferred Student/Starter, Platinum Preferred and Platinum Preferred Rewards VISA cards, the margin is determined based on an evaluation of each member’s credit history. The margins will range from 5.74% to 14.24% based on product type. For the Classroom Supply VISA, the margin is 0.00%. For the Share Secured and the Money Market Share Secured VISA cards, the margin is 1.00%.

²1.5% Cash Back awards earned for each one dollar ($1.00) spent on all new retail purchases less credits, returns and adjustments charged in a statement period. Cash Back awards will only be paid for credit card accounts in good standing and will be posted to the primary card member’s regular share account on the next business day following the end of the credit card statement period. 

³Credit approval is required and you must spend at least $2,500 in purchases within the first 90 days from your account open date to receive the 30,000 bonus points. U Earn Rewards points are earned using your APGFCU Visa Rewards Card for qualified purchase transactions. Qualified purchase transactions include Signature and PIN (POS) purchases. Earned U Earn Rewards points are based on net purchases only and do not include cash advances, balance transfers, ATM transactions, or wire transfers. They also do not include any fees posted to your credit card account, including (but not limited to) late fees, over-limit fees, and finance charges. Points will be earned and redeemable only if your APGFCU Visa Rewards and U Earn Rewards Accounts are open and in good standing. Points cannot be redeemed until they are credited to your U Earn Rewards Account. Points may not be redeemed for cash. All points must be redeemed using the U Earn Rewards program website. Enroll and access your U Earn Rewards account through APGFCU’s online banking service. Visit www.apgfcu.com/rewards to learn more. Once enrolled in the U Earn Rewards program, click the “Terms and Conditions” link within the U Earn Rewards website for additional program details. The U Earn Rewards program is not an affiliate of APGFCU. All names and logos are trademarks and registered trademarks of their respective owners. Copyright ©2024 APGFCU. All Rights Reserved. Other restrictions may apply.

⁴For educators only.

⁵Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.

⁶Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Click here for more information on Visa's Zero Liability Policy.

Revised Billing Error Notice