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A card for every lifestyle. Because you need options.

Cash Back Card	Visa Platinum with Rewards	Share Secured Visa
Cash Back In Your Pocket	Reward Yourself For Things You Buy Everyday	Strengthen Your Credit While You Shop

Cash Back While You Spend Earn 1% back on all of your spending Use anywhere that accepts Visa	Rewards Your Way Earn ScoreCard^® Reward Points for every dollar you spend Use anywhere that accepts Visa	Shopping Your Way Shop anywhere Visa is accepted Cashless purchases and online shopping Book hotels and car rentals
Earning Your Way No annual fee No balance transfer fee No cash advance fee	Save Money Your Way No annual fee No balance transfer fee No cash advance fee	Build Your Credit Without Fees No annual fee No transaction fees for purchases No cash advance fees Reporting to the three major credit bureaus
Card Security Visa Zero Liability^{^} Real time usage notifications Set GPS and Merchant Restrictions Learn More	Card Security Visa Zero Liability^{^} Real time usage notifications Set GPS and Merchant Restrictions Learn More	Card Security Visa Zero Liability^{^} Real time usage notifications Set GPS and Merchant Restrictions Learn More

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VISA® Credit Card Rates

Effective Date: July 1, 2025

Term	Signature VISA® Cash Back Credit Card	VISA® PLATINUM with Rewards	VISA® Share Secured
Special Features	Earn 1.00% Cash Back for every $1 you spend!~~	Earn 1 point for every $1 you spend~	Secured by you!
APR* For Purchases	Variable Rate As low as 14.00%**	Variable Rate As low as 11.00%††	Variable Rate† currently at 14.50%
Method Of Computing the Balance For Purchases	Average Daily Balance	Average Daily Balance	Average Daily Balance
APR* For Cash Advances	Variable Rate††	Variable Rate††	Variable Rate†
Transaction Fee For Purchases	None	None	None
Credit Limit	$5,000 to $35,000	$500 to $50,000	$300 to $5,000
Grace Period For Repayment Of the Balance For Purchases	You have 27 days to repay your balance before being charged a finance charge.	You have 27 days to repay your balance before being charged a finance charge.	You have 27 days to repay your balance before being charged a finance charge.
Annual Fee	None	None	None
* APR = Annual Percentage Rate. APR is based on evaluation of applicant’s credit at time of application. Actual APR may vary. FedChoice Federal Credit Union’s normal underwriting requirements apply. ~ Cash advances and transfers do not qualify for Platinum Rewards points. Points can be redeemed for a variety of travel and merchandise awards, but NOT cash. ~~Cash advances and transfers do not qualify for earning 1.00% Cash Back. †† Variable rate is based on The Wall Street Journal Prime plus 3.50% to 9.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application. ** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application. † Variable rate is based on The Wall Street Journal Prime plus 7.00% - rate adjusted semi-annually. Share Secured VISA® requires a deposit of 110% of credit limit.

Debt Protection

You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Debt Protection can help relieve financial pressure in the event of death, disability or involuntary unemployment. Skip the worry – add this coverage to your FedChoice Visa® credit card today!

Learn More about Debt Protection

Report lost or stolen Visa^® cards anytime: 800.325.3678.

For questions about ScoreCard^® Rewards: 800.854.0790

If you would like a copy of your credit card account agreement under an open-end (not home-secured) consumer credit plan, please call 800.969.6151.

*Applying for a loan as a nonmember also submits a membership application. You must be a member of FedChoice to receive a loan from us. Review membership criteria here.

Credit Cards

A card for every lifestyle. Because you need options.

Debt Protection

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