Credit Cards to Fit Your Needs

Assorted credit cardsAll Visa® Platinum Credit Cards offer:

  • No annual fee
  • 25-day grace period (average) on purchases
  • Live representatives available 24/7, call 1-800-622-5305
  • EMV chip-enabled cards
  • Enhanced fraud protection
  • Visa® Zero Liability Protection
  • 24/7 fraud monitoring
  • Manage your account online
  • CardValet®

2% Cash Back Visa® Platinum Credit Card

Visa® Platinum Low Rate Credit Card

Visa® Platinum Secured Credit Card



How to Apply:

  • Apply online
  • Stop by your local branch office
  • Call us toll-free at 1-800-622-5305

Contact us immediately to file disputes or notify us of a lost or stolen card

Lost, stolen, or compromised - Visa® Platinum Credit Card or Visa® Debit Card
During and after business hours, call 1-800-622-5305.

Lost, stolen, or compromised - ATM card
During and after business hours, call 1-800-622-5305.

Other unauthorized access on your account
During and after business hours, call 1-800-622-5305.


Please be sure to review your credit card agreement upon receipt along with Visa's Zero Liability Policy.

For a copy or your agreement here, call 1-800-622-5305, or visit your local branch.

Due to the potential of fraud on Visa®cards, they offer Visa's Zero Liability Policy*.



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Save time and gain peace of mind knowing you can control the cards in your wallet with the phone in your pocket.

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Visa Account Updater

Your CTFCU credit and debit cards are automatically enrolled in this service, at no additional cost to you.

You will receive a disclosure with rates and terms specific to your account when your credit card is opened. This disclosure provides specific details regarding your Visa® Platinum Credit Card including rates, fees, and terms.

~The use of a Secured Visa® Platinum Credit Card is not guaranteed to improve or establish your FICO® score, or guarantee approval for another loan product. Your loan request will be evaluated based on your individual creditworthiness at the time of loan application. The rate and terms will be set based on a review of income, verification of employment, loan-to-value assessment, and other underwriting guidelines. ***Balance Transfer Offer: All existing payment terms apply. CTFCU reserves the right to withdraw this offer at any time. New and Existing Accounts: The APR for balance transfers is 0.00% APR, on the amount transferred for 9 billing cycles. For all other activity on this card (i.e. purchases, cash advances, etc.), the standard APR will apply to those amounts, pursuant to the credit card opening disclosures. After the Introductory Rate period expires, the APR (Annual Percentage Rate) will automatically increase to the prevailing rates as stated in the credit card opening disclosures. This APR will vary with the market based on the Prime Rate as listed in the Wall Street Journal. The Standard balance transfer fee of 3.00%/$10 MIN will apply to all existing card accounts established for more than 60 days. New accounts only: For all new CTFCU Visa® Platinum Credit Cards, during the first 60 days following the opening of your account, the standard balance transfer fee will be waived. The amount available for transfer is limited to the amount of available credit on your account at the time of processing. Pending transactions, fees, or other restrictions could affect the amount of available credit on your account. Loss of Promotional Balance Transfer APR: We reserve the right to modify your promotional balance transfer APR in accordance with the credit card opening disclosures, and apply the prevailing non-introductory APR, if you are 60 days late in making a payment during the promotional period. Minimum Age: 21 years, unless the member has submitted financial information indicating the member has an independent ability to make the required minimum periodic payments or a signed agreement with a cosigner, guarantor, or joint applicant who is at least 21 years old. 

All terms and conditions are subject to change without notice. For online loan requests, we'll contact you within one business day to complete all necessary loan paperwork and to discuss the method for disbursing your funds, if approved. For some loans, we offer the option to sign your loan documents electronically. You must be a current member of Carolinas Telco Federal Credit Union (CTFCU) to be eligible for a loan or credit card. If you have a current CTFCU Visa® Platinum Credit Card and want to switch to the CTFCU Visa® Platinum Low Rate Credit Card, select that credit card on the application. All services including loans, credit cards, and checking accounts are subject to approval. * APR = Annual Percentage Rate. The rates appearing here are accurate as of the effective date: August 22, 2019. All terms and conditions are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. Currently, our rates range from the rates shown, up to 18.00%. For information regarding the rate you may qualify for, contact the credit union at 1-800-622-5305. All services including loans, credit cards, and checking accounts are subject to approval.

**uChoose Rewards® is a program which earns points for every purchase made with a CTFCU 2% Cash Back Visa® Platinum Credit Card. When points are redeemed, they are credited to the balance on your credit card. All CTFCU 2% Cash Back Visa Visa® Platinum Credit Cards are automatically enrolled in the program, and will start earning points the first time a purchase transaction is made with your new credit card; Points will accrue, redeem for cash, and post automatically to your account each quarter. The total number of points will display on the monthly account statement. To review or track point balances online, the card must be registered through the "Credit Card" tab in NetBranch Online Banking (or by visiting ). Each point is worth 1 penny, and you'll earn 2 points for every $1 dollar spent on eligible purchases (excluding balance transfers, cash advances; either through an ATM over the counter, or using convenience checks).