Personal Credit Cards
Earn points on everyday spending with the Visa® Signature Credit Card or simplify your spending with the Visa® Platinum Card.
Visa® Signature Rewards Card
0% Intro APR for 12 Billing Cycles1
Earn points on everyday purchases* like dining, delivery, and streaming services - plus enjoy no annual fees!
- 0% Introductory APR for the first 12 billing cycles on purchases made within 90 days of account opening.1
- 0% Introductory APR on balance transfers made within 90 days of account opening for the first 12 billing cycles.1
- Variable APR for Purchases and Balance Transfers is 14.00% - 17.99% based on your creditworthiness at the time your account is opened.1
- Redeem points for cash, merchandise, or travel.2
- No annual fees and no foreign transaction fees.
- 24/7 support.
- Travel and emergency services.
To learn more about rewards, click here.
Visa® Platinum Card
0% Intro APR for 12 Billing Cycles3
Simplify your everyday spending on everything from groceries to monthly bills, and get the flexibility to pay over time.
- 0% Introductory APR for the first 12 billing cycles on purchases made within 90 days of account opening.3
- 0% Introductory APR on balance transfers made within 90 days of account opening for the first 12 billing cycles.3
- Variable APR for Purchases and Balance Transfers is 12.00% - 17.99% based on your creditworthiness at the time your account is opened.3
- No annual fee.
- 24/7 support.
| Visa® Signature Rewards Card | Visa® Platinum Card | |
|---|---|---|
| | |
| Introductory Rate | 0% APR for the first 12 billing cycles 1 | 0% APR for the first 12 billing cycles 3 |
| Introductory Rate On Balance Transfers | 0% APR for the first 12 billing cycles 1 | 0% APR for the first 12 billing cycles 3 |
| Rates | Best Rate of 14.00% APR 1 | Best Rate of 12.00% APR 3 |
| Earn Points On Purchases On Concert Tickets, Camping, Sports Tickets, Streaming Services, Gas, Groceries and more! | 2 | - |
| Redeem Points for Cash, Merchandise, or Travel | 2 | - |
| No Annual Fee | | |
| No Foreign Transaction Fee | | - |
| 24/7 Support | | |
Card Features Inside Online
Pay anywhere, anytime from your smart device. Add your card to your mobile wallet for next level purchasing power.
Pay for everyday purchases quickly and securely with contactless pay!
You know you have the power at your fingertips to turn your card on or off as needed.
Personal Credit Cards - AACU Credit Card FAQs
Visa® Signature Rewards earns points on purchases and carries no foreign transaction fee, while Visa® Platinum skips rewards for a lower ongoing rate starting at 12.00% APR1. Both offer 0% intro APR for 12 billing cycles1. Compare Visa® Signature Rewards in detail before choosing.
Neither the Visa® Signature Rewards nor Visa® Platinum card charges an annual fee at AACU. Compare Visa® Platinum Card details before applying.
Both AACU credit cards offer 0% introductory APR1 on balance transfers for the first 12 billing cycles1 when completed within 90 days of account opening. Standard variable rates apply afterward based on creditworthiness. Check your eligibility before applying for either card.
Members who pay their balance monthly and want points on everyday spending typically prefer Visa® Signature Rewards, while those who occasionally carry a balance often prefer Visa® Platinum's lower ongoing rate. Compare Visa® Signature Rewards to see the full points structure.
1 APR = Annual Percentage Rate. The 0% introductory APR applies to purchases and balance transfers made within 90 days of account opening and is valid for the first 12 billing cycles. Limited time offer, offer subject to change without notice. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 14.00% - 17.99% based on your creditworthiness. The variable APR for Cash Advances is 17.99%. Cash Advance fee: 3% of each advance amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $10 minimum. Balance transfers post as cash. Annual fee: $0. Foreign Transaction fee: $0. Subject to approval. The creditor and issuer of these credit cards is Air Academy Credit Union, pursuant to a license from Visa® U.S.A. Inc. Visa® is a trademark owned by Visa International Service Association and used under license.
2 Reward points can be redeemed as Cash Back or through the Merchandise Mall at www.CURewards.com. Reward points redeemed as Cash Back will be in the form of a cash deposit to a checking or savings account, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption).
3 The 0% introductory APR applies to purchases and balance transfers made within 90 days of account opening and is valid for the first 12 billing cycles. Limited time offer, offer subject to change without notice. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 12.00% -17.99% based on your creditworthiness. The variable APR for Cash Advances is 17.99%. Cash Advance fee: 3% of each advance amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $10 minimum. Balance transfers post as cash. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Subject to approval. We will not process any balance transfer requests that are from any other account or loan that We (Air Academy Federal Credit Union, DBA Air Academy Credit Union) previously issued.
The creditor and issuer of these credit cards is Air Academy Credit Union, pursuant to a license from Visa® U.S.A. Inc.
Visa® is a trademark owned by Visa International Service Association and used under license.