Credit Cards

Do you have a LUSO Visa® credit card in your wallet? If not, here’s why you should.

Visa® Credit Card Secured Loan

    Overview

    Build or rebuild your credit using a secured deposit account as collateral. Make purchases and replenish funds each month.1

    Features

    • Minimum $200, maximum $10,000 credit limit
    • Earn CURewards® on select purchases2
    • Available only with Visa® Classic Credit Card
    • No annual or processing fees

    View Rates

    As of 7/18/2024

    Visa Credit Card Secured Loan
    Minimum Credit$200
    Maximum Credit$10,000
    Purchase Rate$10.50% APR1,2
    Balance TransferN/A
    Cash Advance12.50% APR

    1Visa Secured Card periodic rate of 0.02877% is valid on new purchases; Visa Secured Card periodic rate of 0.03425% is valid on cash advances. Available with Visa Classic Credit Card only. Pledged shares must be retained in a corresponding Visa Secured Share Savings account equal to the total credit limit and/or secured credit increase and retained as collateral until such time as the debt is repaid in full and the secured credit card account is terminated. The funds are released upon successful completion of the loan terms and regular timely payment. Balance transfers are NOT allowed with this product.

    2APR: Annual Percentage Rate. This is a variable rate account with a revolving line of credit. Minimum payment is 2% of total new balance, or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. Savings for credit cards is based on lowest available credit union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance. Annual Fee: None; Over the Limit Fee: $25; Late Fee: $25; Returned Check Fee: $37; Card Replacement: $25 for normal processing, $75 for rush orders; Past Due Fee: $20 after the 20th day following the due date. VISA International Exchange Conversion Fee: 1.00% applicable cost to credit union at time of transaction.

    Visa® Smart Start Classic Credit Card

      Overview

      High school and college students, this is the card for you. Earn rewards with every tap, while building credit for future financial needs.

      Features

      • Minimum $500, maximum $5,000 credit limit
      • Earn double CURewards® on select purchases for first 30 days3
      • Accepted anywhere Visa® is welcome
      • No annual or processing fees

      View Rates

      As of 7/18/2024

      Visa Smart Start Classic Credit Card
      Minimum Credit$500
      Maximum Credit$5,000
      Purchase Rate$10.50% APR1,2
      Balance TransferN/A
      Cash Advance12.50% APR

      1Double rewards with free Visa Credit Cards CURewards Program valid for first 30 days. Visa Smart Start periodic rate of 0.02877% is valid on new purchases; Visa Smart Start periodic rate of 0.03425% is valid on cash advances. Balance transfers are NOT allowed with this product.

      2APR: Annual Percentage Rate. This is a variable rate account with a revolving line of credit. Minimum payment is 2% of total new balance, or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. Savings for credit cards is based on lowest available credit union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance. Annual Fee: None; Over the Limit Fee: $25; Late Fee: $25; Returned Check Fee: $37; Card Replacement: $25 for normal processing, $75 for rush orders; Past Due Fee: $20 after the 20th day following the due date. VISA International Exchange Conversion Fee: 1.00% applicable cost to credit union at time of transaction.

       

      Visa® Platinum Credit Card

        Overview

        Enjoy a higher spending limit, lower interest rate, and more rewards with every purchase.5

        Features

        • Minimum $10,000, maximum $20,000 credit limit
        • Earn CURewards® on select purchases2
        • Accepted anywhere Visa® is welcome

        View Rates

        As of 7/18/2024

        Visa Platinum Credit Card
        Minimum Credit$10,000
        Maximum Credit$20,000
        Purchase Rate$10.50% APR1,2
        Balance Transfer3.00% of transfer amount or $10 (whichever is greater)
        Cash Advance12.50% APR

        1APR: Annual Percentage Rate. This is a variable rate account with a revolving line of credit. Minimum payment is 2% of total new balance, or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. Savings for credit cards is based on lowest available credit union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance. Annual Fee: None; Over the Limit Fee: $25; Late Fee: $25; Returned Check Fee: $37; Card Replacement: $25 for normal processing, $75 for rush orders; Past Due Fee: $20 after the 20th day following the due date. VISA International Exchange Conversion Fee: 1.00% applicable cost to credit union at time of transaction.

        2Visa Business Platinum periodic rate of 0.02603% is valid on new purchases; Visa Platinum Business periodic rate of 0.03151% is valid on cash advance.

        Visa® Classic Credit Card

          Overview

          Shopping, dining, staying or playing at establishments worldwide – all while earning merchandise, gift card, or travel rewards.

          Features

          • Minimum $500, maximum $9,999.99 credit limit
          • Earn CURewards® on select purchases2
          • Accepted anywhere Visa® is welcome

          View Rates

          As of 7/18/2024

          Visa Classic Credit Card
          Minimum Credit$500
          Maximum Credit$9,999.99
          Purchase Rate11.50% APR1
          Balance Transfer3.00% of transfer amount or $10 (whichever is greater)
          Cash Advance13.50% APR
          1APR: Annual Percentage Rate. This is a variable rate account with a revolving line of credit. Minimum payment is 2% of total new balance, or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. Savings for credit cards is based on lowest available credit union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance. Annual Fee: None; Over the Limit Fee: $25; Late Fee: $25; Returned Check Fee: $37; Card Replacement: $25 for normal processing, $75 for rush orders; Past Due Fee: $20 after the 20th day following the due date. VISA International Exchange Conversion Fee: 1.00% applicable cost to credit union at time of transaction.
          Compare your options
          ProductVisa® Credit Card Secured LoanVisa® Smart Start Classic Credit CardVisa® Platinum Credit CardVisa® Classic Credit Card
          Minimum Credit$200$500$10,000$500
          Maximum Credit$10,000$5,000$20,000$9,999.99
          Purchase Rate10.50% APR1,410.50% APR3,410.50% APR4,511.50% APR4
          Balance TransferN/AN/A3.00% of transfer amount or $10 (whichever is greater)3.00% of transfer amount or $10 (whichever is greater)
          Cash Advance12.50% APR12.50% APR12.50% APR13.50% APR

            1Visa Secured Card periodic rate of 0.02877% is valid on new purchases; Visa Secured Card periodic rate of 0.03425% is valid on cash advances. Available with Visa Classic Credit Card only. Pledged shares must be retained in a corresponding Visa Secured Share Savings account equal to the total credit limit and/or secured credit increase and retained as collateral until such time as the debt is repaid in full and the secured credit card account is terminated. The funds are released upon successful completion of the loan terms and regular timely payment. Balance transfers are NOT allowed with this product.

            2Free Visa Credit Cards CURewards Program.

            3Double rewards with free Visa Credit Cards CURewards Program valid for first 30 days. Visa Smart Start periodic rate of 0.02877% is valid on new purchases; Visa Smart Start periodic rate of 0.03425% is valid on cash advances. Balance transfers are NOT allowed with this product.

            4APR: Annual Percentage Rate. This is a variable rate account with a revolving line of credit. Minimum payment is 2% of total new balance, or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. Savings for credit cards is based on lowest available credit union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance. Annual Fee: None; Over the Limit Fee: $25; Late Fee: $25; Returned Check Fee: $35; Card Replacement: $25 for normal processing, $75 for rush orders; Past Due Fee: $20 after the 20th day following the due date. VISA International Exchange Conversion Fee: 1.00% applicable cost to credit union at time of transaction.

            5Visa Business Platinum periodic rate of 0.02603% is valid on new purchases; Visa Platinum Business periodic rate of 0.03151% is valid on cash advance.

            Make the most of LUSO membership.

            Maximize the benefits of banking with LUSO Federal Credit Union.

            VISA® Mobile Card App

            Download Now

            Credit Sense

            Know Your Score