Visa Credit Cards

   

Plastic, Made Perfect

When you get a Visa credit card from La Capitol, a low introductory rate is just the beginning. We offer three types of cards that, depending on your needs, translate to savings versus other financial institutions. And if you're concerned about convenience and security, the easy-to-use La Capitol FCU Card Manager mobile app is just what you need. With popular functions and added security features at your fingertips, you can take care of important matters in just seconds, from anywhere at any time.

Cash Back Visa Signature

With La Capitol’s Cash Back card, you earn 1% cash back every time you swipe2 — cold hard cash you can spend on trips, gear, grub and more. This card also delivers exceptionally low interest rates on both balance transfers1 and purchases.1 And you can earn an extra $150 in the first 90 days just for using your card.3 That means you’ll have the freedom to spend — and save!

Current Member:
Apply Now
  Not a member yet?
Apply Here

With the Cash Back card, you’ll enjoy:

  • 0% interest on balance transfers for 12 months1
    On balance transfers made in the first 90 days after account opening
  • 0% interest on new purchases for 12 months1
    On purchases made in the first 90 days after account opening
  • No over-the-limit fee
  • No annual fee

 

Prime Plus Visa

Prime Plus members use their card to make purchases and pay off their balances over time. Their reward is the lowest rate possible on their credit card balance, which saves them money.

Current Member:
Apply Now
  Not a member yet?
Apply Here

Rewards Visa

Rewards members regularly pay off their balance and use their card as a convenient way to pay for and keep track of the purchases they make each month. They earn points, which can be used for shopping or rental cars, via CU Rewards, as a reward for using their card. One dollar spent means one reward point earned—it’s that easy!

Current Member:
Apply Now
  Not a member yet?
Apply Here

With Prime Plus and Rewards cards, you’ll enjoy:

  • 0% interest on balance transfers for 12 months1
    On balance transfers made in the first 90 days after account opening
  • 1.99% interest on new purchases for 12 months1
    On purchases made in the first 90 days after account opening
  • No over-the-limit fee
  • No annual fee


Check Your Rewards Balance

Already a Rewards member? Check your points balance here.

Going on a Trip? Let Us Know!

Before you pack your bags, take a moment to give us a call – even if you’re just taking a short trip to Mexico or Canada. Some countries have experienced an excessive amount of fraudulent plastic activity and we want to make certain you will be able to use your La Cap Visa or Visa Check Card easily and safely.

Application & Solicitation Disclosures

Cash Back Visa Signature Application and Solicitation Disclosure
Prime Plus Visa Application and Solicitation Disclosure
Rewards Visa Application and Solicitation Disclosure

Pay With Your SmartPhone

Make everyday transactions even more convenient by setting up your La Capitol debit or credit card with Apple Pay, Google Pay or Samsung Pay. Use your respective payment method anywhere you see the following symbols.

Apple Pay     Google Pay     Samsung Pay

1 APR = Annual Percentage Rate. With Prime Plus and Rewards Visa’s the introductory APR of 1.99% for 12 billing cycles on eligible purchases made in the first 90-days from account opening. With Cash Back Visa, the introductory APR of 0.00% for billing cycles on eligible purchases made in the first 90-days from account opening. The introductory APR on balance transfers made in the first 90-days from account opening is 0.00% for 12 billing cycles. Cash advances are not eligible for either introductory rate. After that the variable rate as of 10/18/2021 will be (6.25%-18.00% Prime Plus) (10.25%-13.25% Signature Cash Back) (10.25%-18.00 Cash Back Rewards) based on your creditworthiness. Existing La Capitol credit card balances or loan accounts are excluded from this 0.00% balance transfer offer. Membership required and membership account with $5 par required for additional services. Additional restrictions may apply please contact a La Cap representative for complete details.
2 Earn a 1.00% rebate based on net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, and ATM transaction fees. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards. Additional restrictions may apply please contact a La Cap representative for complete details.  
3 You will be eligible to earn a $150 bonus when you spend at least $1,500 in eligible net purchases within 90-days of from opening your new Visa Signature Cash Back. The purchase requirements and exclusions that apply to cash back rewards also apply to the bonus. This applies to new La Capitol Visa Signature Cash Back accounts only. Additional restrictions may apply please contact a La Cap representative for complete details.