Credit Cards

Visa® Platinum Gold MasterCard® Visa® Classic
Get CashBack on all of your purchases
Keep a low rate when you carry a balance
Build or rebuild your credit history
CashBack
Earn 1.5% CashBack on all purchase transactions
APR for Purchases As low as 8.00% Variable As low as 7.00% Variable 18.00% Fixed
No Balance Transfer or Cash Advance Fees*
Zero Liability**
Warranty Warranty Manager Extended Warranty Warranty Manager
Roadside Dispatch***
Travel Emergency Assistance
Auto Rental Collision Damage Waiver
Savings with Visa.com discounts
Redstone Discounts!
Price Protection
Identify Theft Resolution
No Annual Fee*

For Visa Platinum only, beginning 01/01/2015, all purchase transactions will receive an 1.5% annual CashBack rebate. The CashBack rebate will accumulate monthly for the program year (January 1 to December 31) and will be deposited to the primary cardholder's savings account annually in January of the following year. To be eligible to receive the rebate, the credit card account must remain open and current for the entire accrual period. Balance transfers, cash advances, and other promotional offers are not included in the CashBack rebate calculation. Contact RFCU for more details about the CashBack rebate.

*As of May 1, 2015, the annual percentage rates (APR) are as low as 7.00% for MasterCard and 8.00% for Visa card products and may vary. However, the Visa Classic's APR is 18% and is fixed for the term of the loan. APRs are based on creditworthiness at account opening. Foreign currency conversion fees may apply of up to 1% of the converted transaction amount for each international multicurrency or single currency transaction. Must be an RFCU member to obtain a loan. Must have online banking and PIN/password to access online application. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender.

**Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions and PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security. Zero Liability for MasterCard holders is provided under the following conditions: your account is in good standing; you have exercised reasonable care in safeguarding your card from any unauthorized use. Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase. You have not reported two or more unauthorized events in the past 12 months. Zero Liability does not apply to MasterCard commercial cards and prepaid or reloadable cards until the identity of the cardholder has been registered with the financial institution that issued the card.

***Benefits offered by Visa USA. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Refer to Visa's Guide to Benefits for more details. Redstone Federal Credit Union and Visa USA are separate entities.

Redstone Discounts! and Visa Discounts® are provided by participating merchants. Must use an RFCU Visa debit or credit card to receive Visa Discounts or any RFCU debit or credit card to receive Redstone Discounts! RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.

Comparison rates provided by Informa Research Services, Inc., Calabasas, CA. www.informars.com. Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed.

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Credit Card Agreements

View RFCU's credit card agreements. APRs may vary based on evaluation of applicant's credit at account opening and the product type.

Visa Platinum Credit Card Agreement

MasterCard Gold Credit Card Agreement

Visa Classic Credit Card Agreement

Share Secured Visa Classic Credit Card Agreement

How to Choose a Credit Card

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