Three Cards To Choose From And One That’s Perfect For You.

Three Cards To Choose From And One That’s Perfect For You.

Lower rates. Lower payments. No annual fees.

COPFCU is proud to feature three different Visa Credit Cards, all of which feature advanced fraud monitoring and zero liability for unauthorized purchases.

Visa Platinum Rewards

Enjoy the most features and benefits

The Visa Platinum Rewards Card offers the most features and benefits. With low fixed rates, a high credit limit and rewards, this card delivers the best value.

Features include:

  • Low non-variable rates from 9.99% APR*
  • No Annual Fee
  • Credit limit to $20,000
  • Mobile purchasing capabilities
  • Added security with card lock and instant transaction alerts available in the mobile app
  • Earn 1 point for every $1 purchased with ScoreCard Rewards
  • Redeem rewards for fuel purchase discounts, gift cards, travel vouchers and more
Apply Now
COPFCU Visa Platinum Rewards

Visa Credit Builder

Rebuild your credit with confidence

The Visa Credit Builder card helps repair bad credit and rebuild a positive credit profile. The card is secured by funds in a savings or other deposit account.

Features include:

  • Low non-variable rate of 14.99% APR*
  • No Annual Fee
  • Credit limit up to $5,0001
  • Secured funds in savings or other deposit accounts continue to earn dividends
  • Mobile purchasing capabilities
  • Added security with card lock and instant transaction alerts available in the mobile app
  • Same design as our standard card for easy acceptance at merchants and retailers
Apply Now
COPFCU Visa Platinum Rewards

Visa Student Platinum Rewards

The perfect card for young adults

The Visa Student Platinum Rewards Card helps students build a positive credit profile. With a manageable credit limit, a low fixed rate and rewards, this is the perfect first card for young adults.

Features include:

  • Low non-variable rate of 17.99% APR*
  • No Annual Fee
  • Credit limit to $1,0002
  • Mobile purchasing capabilities
  • Added security with card lock and instant transaction alerts available in the mobile app
  • Earn 1 point for every $1 purchased with ScoreCard Rewards
  • Redeem rewards for fuel purchase discounts, gift cards, travel vouchers and more
Apply Now
COPFCU Student Visa Platinum Rewards

Do I need to be a COPFCU member to apply for a credit card?

You don’t need to be a member to start a credit card application, however you’ll need to qualify for membership to complete the process.

Why should I get a credit card?

People get a credit card for a variety of reasons including convenience, security, building credit history and receiving perks like rewards.

How many credit cards should I have?

It depends on your financial situation and goals, but generally speaking, you should have at least one to two credit cards in order to build credit. Before you apply for one or more cards, make sure you can always make your payments on time.

What is the payment due date for a credit card?

At COPFCU, credit card payments are due on the 28th of each month.

Should I raise my credit limit?

How you use your credit limit can affect your credit score. You request a credit limit increase at any time, but before you do consider the following:

  • Your credit utilization should be at 30% or below to be most effective. For example, if your credit limit is $2,000, you should be using $600 or less. If your credit utilization is more than 30%, you may want to request a credit limit increase.
  • Requesting a credit limit increase can increase your credit score over the long term, but in the short term it can ding your credit by lowering your score a few points. In most cases, the benefits of a credit limit increase outweigh the temporary lowering of your score.
  • If increasing your credit limit may be too much temptation to spend more than you can comfortably pay off in a reasonable time, it may be best to hold off on requesting an increase.

Important Legal Disclaimer

*APR – Annual Percentage Rate
1 Credit limit will be based on amount of funds securing the card. If sufficient secured funds are available, credit limit may exceed $5,000 with approval.
2 Standard credit limit. Credit limit may exceed standard limit with approval.

We apply your payment in the order of highest to lowest APR balances.

We may change APRs, fees and other Account terms in the future based on your experience with us as provided under the Cardmember Agreement and applicable law.

Speak with a loan officer for full details on a Visa Platinum Rewards Credit Card and Balance Transfers to the card.