Cash Back In Your Pocket
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Reward Yourself For Things You Buy Everyday
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A Special Card Just for Federal Employees+
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Strengthen Your Credit While You Shop
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Cash Back While You Spend - Earn 1% back on all of your spending
- Use anywhere that accepts Visa
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Rewards Your Way- Earn ScoreCard® Reward Points for every dollar you spend
- Use anywhere that accepts Visa
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Stability Your Way- Features a fixed rate
- No minimum credit score requirement
- Use anywhere Visa is accepted
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Shopping Your Way- Shop anywhere Visa is accepted
- Cashless purchases and online shopping
- Book hotels and car rentals
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Earning Your Way- No annual fee
- No balance transfer fee
- No cash advance fee
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Save Money Your Way- No annual fee
- No balance transfer fee
- No cash advance fee
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Save Money Your Way- No annual fee
- No balance transfer fee
- No cash advance fee
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Build Your Credit Without Fees- No annual fee
- No transaction fees for purchases
- No cash advance fees
- Reporting to the three major credit bureaus
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Card Security - Visa Zero Liability^
- Real time usage notifications
- Set GPS and Merchant Restrictions
Learn More
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Card Security - Visa Zero Liability^
- Real time usage notifications
- Set GPS and Merchant Restrictions
Learn More
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Card Security - Visa Zero Liability^
- Real time usage notifications
- Set GPS and Merchant Restrictions
Learn More
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Card Security - Visa Zero Liability^
- Real time usage notifications
- Set GPS and Merchant Restrictions
Learn More
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+Member must be employed by a federal agency. Verification of employment will be required, there is a required amount of disposable income. Additional underwriting requirements may apply.
^Covers U.S.-issued Visa Debit/check cards only. Does not apply to ATM transactions or PIN transactions not processed by Visa. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer. Additional information is also available at https://visa.com/security.
Term | Signature Visa® Cash Back Credit Card | Visa® PLATINUM with Rewards | Visa® FedStart Card | Visa® Share Secured |
Special Features |
Earn 1.00% Cash Back for every $1 you spend!~~ |
Earn 1 point for every $1 you spend~ |
Low Fixed Rate |
Secured by you! |
APR* For Purchases |
Variable Rate As low as 14.00%** |
Variable Rate As low as 11.00%†† |
Regular Fixed Rate 10.00%--18.00% APR Based on evaluation of applicant's credit at time of application. |
Variable Rate† currently at 14.50% |
Method Of Computing the Balance For Purchases |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
APR* For Cash Advances |
Variable Rate†† |
Variable Rate†† |
Regular Fixed Rate |
Variable Rate† |
Transaction Fee For Purchases |
None |
None |
None |
None |
Credit Limit |
$5,000 to $35,000 |
$500 to $50,000 |
$500 |
$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. |
You have 27 days to repay your balance before being charged a finance charge. |
Annual Fee |
None |
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
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.