Ascend Visa Platinum Card
Our Visa Platinum card gives you purchasing power and convenience, all backed by the level of service you expect from Ascend.
No Annual Fee
No Fee for Cash Advances
Enjoy special bonuses when you travel, including $1 million travel accident coverage.4
Enjoy concierge services such as assistance with reservations, 24-hour medical information and more.
Life can take unexpected turns. Debt protection could help pay your loan in case of the unexpected.
No Balance Transfer Fee
Great Low Annual Percentage Rate (APR)
Enjoy free auto rental Collision Damage Waiver coverage on most rental vehicles for damage due to theft or collision.4
Over the past 19 years, we’ve given our members more than $109 million in interest refunds and bonus dividends.
Card | APR |
---|---|
Visa Platinum Rewards | 9.50% - 18.00% |
Visa Platinum | 9.50% - 18.00% |
Student Visa | 9.90% |
Visa Secured Platinum | 15.90% |
Annual Percentage Rate (APR) for Purchases
Platinum Visa - 9.50% to 18.00% - when you open your account, based on your creditworthiness.
Student Visa - 9.90%
Visa Secured Platinum - 15.90%
APR for Balance Transfers
Platinum Visa - 9.50% to 18.00% - when you open your account, based on your creditworthiness.
Student Visa - 9.90%
Visa Secured Platinum - 15.90%
APR for Cash Advances
Platinum Visa - 9.50% to 18.00% - when you open your account, based on your creditworthiness.
Student Visa - 9.90%
Visa Secured Platinum - 15.90%
Penalty APR and When it Applies
Platinum Visa - None
Student Visa - None
Visa Secured Platinum - 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
None
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 website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore.
Foreign Transaction Fee | 1% (in U.S. dollars) |
Late Payment Fee | $25 |
Returned Payment Fee | $20 |
Statement Copy Fee
$10.00Document Copy Fee
$5.00Rush Fee
$35.00
PIN Replacement Fee
$35.00
Card Replacement Fee
$20.00
Account Reconciliation/Account Research Fee
$25.00 per hour
How We Will Calculate Your Balance
We use a method called "average daily balance (including new purchases)."
The information about the costs of the card described in this application is accurate as of October 04, 2017. This information may have changed after that date. To find out what may have changed, contact us at 800-342-3086.
Legal Disclosures
For California Borrowers, the Platinum Visa and Student Visa are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
- How long will it take to get my credit card?
Upon approval of your mailed or online application, you should receive your card within approximately 10 business days. However, if you apply at a branch and are approved, your card can be issued instantly. Once printed, the card is active and ready for use immediately.
Please contact 800-342-3086 for more information.
- How can I increase my card limit?
Members can obtain a temporary limit increase to be able to perform debit card transactions that exceed their daily limit. This can be done by calling the Contact Center at 800-342-3086 or making the request in person at a branch. You can request an increase to your credit card by applying online, over the phone or in a branch.
- How do I report a lost or stolen ATM, debit, or credit card?
To report your credit card lost or stolen, or if you have questions about disputing a transaction or a dispute in progress, please contact the credit union at 800-342-3086.
Don't see the question you're looking for?
There are three different ways to apply for an Ascend Visa Platinum card.