VISA - USU Charter Credit Union

Money Management - VISA Credit Cards

The Credit Union's VISAs are the Cards to Carry...

USU Charter Credit Union offers Members the international convenience of VISA. And, the credit union's VISA credit cards have several important differences when compared to other VISA cards. First, there's no annual fee. That saves you between $20 and $300 a year vs. bank cards and expensive American Express.

The second big advantage is that the credit union's interest rate is much lower than bank cards and much, much lower than department store charge accounts. So, when you finance purchases, you'll save!

Prestige VISA Credit Card The Prestige VISA credit card interest rate is much lower than most other credit cards and much, much lower than department store charge accounts.	Opportunity VISA Credit Card The Opportunity VISA credit card is for people who would have a harder time qualifying because of little or no credit history.	Rewards VISA Credit Card The Rewards VISA credit card is for people who would like to receive cash back for purchases.
College Student VISA Credit Card College students qualify for the College Student VISA credit card with little or no credit history and establish your credit record.	The SmartMoney VISA credit card is available for high school age students.	And, the Business VISA credit card is offered through our Business Partners program.

Charge goods and services in stores, restaurants, hotels and airports around the world on your credit union VISA. Use VISA for ordering and making reservations over the phone. With your separate VISA PIN (Personal Identification Number) you can also get cash advances on your line-of-credit, worldwide, at financial institutions and ATMs displaying the VISA logo.

The best VISA credit card is from your credit union:

No Annual Fee
Lower Interest Rate

Add a VISA debit card for even more convenience:

No Annual Fee
Lower Interest Rate
No Finance Charges, Ever, Unless You Choose to Access Your Line-of-Credit

A VISA debit card works like a plastic check anywhere around the world VISA is accepted. Use it for shopping, dining, travel and entertainment. Use it over the telephone, too. When you do, the money you spend is automatically withdrawn from your checking account at the credit union.

You can also use your VISA debit card at Point-of-Sale (POS) terminals in many retail establishments including supermarkets and gas stations. Get cash-back, too, at most POS locations.

There's never any finance charge when you use your VISA debit card unless you overdraw your checking account balance and access your line-of-credit. It's like creating an instant loan for yourself.

Apply for your USU Charter Credit Union VISA credit card, and/or debit card and make sure you're taking advantage of everything the credit union has to offer you and your entire family.