Skip to Content (custom)

    Visa® Rewards Plus

    A credit card with no compromises.

    Everything You Want in One Credit Card

    0% APR for 12 Months

    0% intro APR for the first 12 months1

    Low APR of 9.90% - 16.90% based on creditworthiness

    Unlimited 1.5% Rewards On All Spending

    Unlimited rewards up to 1.5% on all purchases2

    No Annual Fee

    No annual fee

    No Over-Limit Fee

    No over-limit fee

    No Foreign Transaction Fee

    No foreign transaction fee

    Tools & Resources

    Credit Card and Debt Calculators

    Credit cards and loans are great tools if used properly, but it's easy for debt to feel overwhelming. Use our calculators to help make sure you stay on top of your spending and keep your budget on track.
    • Are credit card balance transfers worth it?
    • How long will it take to pay off my credit card?
    • How much will my monthly loan payment be?
    • Meet a debt payoff goal
    • Should I consolidate my personal debt into a new loan?
    • Use a lump sum to pay down debt
    Do the Math

    Frequently Asked Questions about Visa Rewards Plus

    When on the Accounts Summary page in cuAnywhere® Online Banking, click on the credit card you’d like to check under the Credit Cards section.
    If you are a current member and already have a Visa Rewards Plus credit card, you can transfer your balance through cuAnywhere® Online Banking or the Advancial Mobile App.
     
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select the credit card in which you’d like to transfer your balance
    3. Select Account Actions
    4. Click on the Balance Transfer icon
    You can initiate a balance transfer through cuAnywhere Online Banking by going to Card Management > Balance Transfer.

    You can also fill out a balance transfer form at your local branch or by calling our Member Service Center at 800.322.2709.
     
    You’ll earn unlimited reward points every time you use your Advancial debit or credit card.

    Our Visa debit card earns rewards at a rate of one point for every $5 spent.

    Credit card rewards are earned at a rate of one point for every $1 spent when you spend less than $2,500 during your billing cycle. When you spend $2,500+ on your credit card during your billing cycle, you’ll earn 1.5 points for every $1 spent on all purchases during that billing cycle.
     
    Yes, you must complete 12 point earning activities each calendar year to be considered active to maintain your status and keep your points.
    Yes, your points are automatically combined so you can earn rewards even faster.  
    If you’ve lost your card or believe it has been stolen, lock your card in cuAnywhere® Online Banking or the Advancial Mobile App immediately. You can also contact our Member Service Center at 800.322.2709 and speak with a Member Service Representative who will be able to lock your card and order you a new one.

    To lock your card in cuAnywhere or the Advancial Mobile App, follow these steps:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Controls
    3. Select or add the card in which you’d like to lock
    4. For cuAnywhere, click Lock or Unlock the card
    5. For the Advancial Mobile App, click the icon so that it shows Locked
    6. If you find your card, simply use the same steps to unlock it and begin using it again
    If you know your card has been stolen, follow these steps:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click Block Lost/Stolen Card
    4. For the Advancial Mobile App, click Card Blocking
    5. Select the card in which you’d like to block and click Block or Submit
    Yes, we offer a Secured Visa® credit card that allows you to improve your credit history responsibly.  
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click PIN Management
    4. Select the card in which you’d like to change your PIN and click Continue
    5. Enter your new PIN and click Save
    6. For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above

    You can also contact our Member Service Center at 800.322.2709, or 1+ 214.880.0141 for international calling, and say “change my credit card PIN”. Please have your card available.
     
    Visit Advancial Rewards to see all of the exciting ways in which you can redeem your reward points. Your options include cash back, gift cards, travel, merchandise and so much more!

    Plus, you can get even more out of your points when you shop at local and national merchants in the form of cash back on purchases and even up to 20 points for every $1 you spend!
     
    You can view your balance through cuAnywhere® Online Banking or the Advancial Mobile App by clicking one of the account names to open the Account Details section.

    Knowledge Center

    Credit Scores 101

    Three simple digits. That’s all it takes to capture the quality of your credit history. It seems simple, but credit scores are an important tool that lenders use for virtually all loan and credit applications. Those three digits help lenders determine if they can trust you to repay a loan fully and on time.
    January 18, 2023

    Dos and Don'ts of Credit Repair

    If you've recently been rejected from a credit or loan application, it may be because of your credit score being too low. If that’s the case, there are a number of reasons why that may be.
    February 28, 2023

    Mobile Wallets Provide a Contactless Way to Pay

    Tired of carrying around a wallet stuffed with cards? Don’t like waiting for a chip card to process? Worried about the germs on the payment terminal? Try using a mobile wallet!
    June 22, 2023

    Safeguard Your Finances When Shopping Online

    What’s not to love about shopping online? After browsing and a couple of clicks, merchandise is delivered to your door. Along with ease and convenience, online shopping can offer plenty of opportunities for thieves and scammers to steal your financial information.
    October 10, 2023
    1 After the 12-month intro period, your APR will be 9.90%-16.90% based on creditworthiness. APR=Annual Percentage Rate.
    2 Earn unlimited 1% rewards on all purchases up to $2,500 and unlimited 1.5% rewards on all purchases when you spend $2,500+ in one statement cycle.
    footer wave background