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Credit Cards

A credit card is a safe, convenient way to pay for purchases around town and online.  It is also a tool for building and repairing credit with regular on-time payments. And with a One Credit Union Visa, you can be sure that the rate is competitive.

VISA Platinum
For members with well-established credit, the Visa Platinum card offers a great introductory rate and a very competitive rate thereafter.  Check rates here .

VISA Classic
A great option for your credit needs, with a fixed rate. Check rates here.

Features & Benefits
Both the Platinum and the Classic Visa cards offer:
  • No annual fee
  • No balance transfer fee – great for consolidating debt from high rate cards.
  • Travel and Emergency Services1
  • Warranty Services1
  • Flexible payment options – pay online, by mail, by phone or in any branch
  • Optional Credit Life and Disability Coverage2
ScoreCard® Rewards
Both Visa Platinum and Visa Classic are eligible for free enrollment in our ScoreCard® Rewards program.  Earn one point for every dollar you spend with your One CU Visa card.  ScoreMoreTM when you shop at participating retailers in the ScoreMoreTM Mall – with 2x, 3x, 4x or more bonus points!  Participating retailers include, Expedia, The Gap,, T-Mobile and more.

Our Scorecard® Rewards makes it easy to earn points to exchange for name-brand electronics, home furnishings, appliances, toys, sporting goods – even travel, airfare, hotels and rental cars.  You can even link multiple accounts together with the Householding feature to combine Bonus Points and earn rewards faster!

Get Started Today!
Review complete disclosure.
Download a VISA Balance Transfer Form (or transfer balances by phone).
Apply Online, call 1-800-578-5024, or visit any branch.
Register your One CU Visa Card for Scorecard® Rewards.
Other Important Info
Report a lost or stolen card: 1-800-991-4961
VISA customer support: 1-800-433-0505
Pay online and manage your card information at

Verified by Visa is a free, simple-to-use service that confirms your identity when making online transactions with your Visa Card. Click on the image to enroll or learn more!

Balance Transfer Fee $0
Late Payment Fee After a 9 day grace period, $25, or the amount of the required minimum payment, whichever is less
Returned Payment Fee $25, or the amount of the required minimum payment, whichever is less
Statement Copy Fee $5
Document Copy Fee $5
Rush Fee $50
Emergency Card Replacement Fee $200
Card Replacement Fee $5
Pay-by-Phone Fee $10


1 Travel Emergency Services & Warranty Services – see details here

2 Credit Life and Credit Disability Insurance, underwritten by Minnesota Life, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact your Loan Officer or refer to the Policy Agreement for a full explanation of the terms.

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