Choose the Visa credit card that’s right for you – whether you’re just starting out and want to build credit or you prefer a card with a generous credit limit and rewards.
Travel, Car Rental 
Worldwide 
Digital Wallet 
No Foreign 
No Annual 
Competitive Our Platinum card is ideal for members who want a higher credit limit (up to $35,000), no annual fee, and the perks of a rewards card.
Our Classic card is perfect for members seeking a low-cost credit card with no annual fee and credit limits to $15,000. Members of our Golden Owl Club (age 62+) are eligible for a Golden Owl card at a lower rate than our Classic card.
Our Starter/Student card is great for members who are students or who are building or reestablishing their credit history. There is no annual fee and a credit limit up to $2,500.
Enjoy faster transactions and enhanced security when you add your credit card to a digital wallet. No more fumbling for the card in your wallet - simply tap your phone at the payment terminal. Digital wallets use tokens and encryption to secure your card data for increased peace of mind.
With Card Control, there’s no need to panic if you misplace your card. Simply log in to Online Access Home Banking or the Mobile App and turn the card off so it can’t be used. You can also set up transaction alerts, spending limits, and more. Standard text message and data rates may apply.
Speed through the checkout when you tap to pay with your credit card. It’s faster than paying with cash and more secure than inserting or swiping the card.
Need to create or change your credit card PIN? Call 1-888-891-2435 from the number on file for your account; the PIN change will take effect immediately. Be sure to have the following information handy: card number, last four of SSN, CVV number, and your new four-digit PIN.
Call us right away to report your credit card lost or stolen. For your convenience, we can instant issue a new credit card at any branch.
Within the U.S.: 1-800-538-3328
After Hours: 1-800-234-5354
Outside the U.S.: 00-1-515-457-2080
Enhanced Security When You Shop Online
Beginning Nov. 9, 2026, your EECU Visa Debit and Credit card will include an added layer of security for online purchases through Visa 3D Secure.
Visa 3D Secure is a security feature designed to help protect your EECU Visa Debit and Credit card when you shop online. It helps verify that you are the person making the purchase, providing additional protection against unauthorized use of your card.
The security check happens automatically when you shop with participating online merchants. There is nothing you need to enroll in or activate. To learn more, browse the Visa 3D secure FAQs.
Most of the time, you can shop online just as you normally do. Visa 3D Secure works behind the scenes to evaluate online transactions.
For some purchases, you may be asked to take an additional step to verify your identity before completing your transaction. If verification is needed, a message will appear during checkout with instructions for confirming the purchase.
Once your identity is successfully verified, you can continue with your purchase.
Keeping your contact information current with EECU is important. If additional verification is needed, the information we have on file may be used to help confirm your identity.
Take a moment to make sure your phone number and other contact information are up to date. To update your information, please call our Member Service Center at 1-800-538-3328.
Remember: Never provide a verification code to someone who contacts you unexpectedly. A verification code should only be entered when you are completing a transaction you initiated.
Find answers to frequently asked questions about Visa 3D Secure. View additional FAQs here. Can’t find what you’re looking for? Contact us!
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
| Interest Rates and Interest Charges | |||
|---|---|---|---|
| Platinum Rewards | Golden Owl* | Classic/Starter-Student | |
| Annual Percentage Rate (APR) for Purchases | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness |
| APR for Balance Transfers | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness |
| APR for Cash Advances | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness |
| Penalty APR and When it Applies | None | ||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. | ||
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. | ||
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website at http://www.consumerfinance.gov/learnmore . | ||
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| Fees | |
|---|---|
| Annual Fee | None |
Transaction Fees
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Penalty Fees
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How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
See your account agreement for more details.
*The Golden Owl Visa card offers exclusive benefits for our members aged 62 or older.
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