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.

Cash Back Visa Signature

With La Capitol’s Cash Back card, you earn 1% cash back every time you swipe1 — cold hard cash you can spend on trips, gear, grub and more. This card also delivers exceptionally low interest rates on both balance transfers2 and purchases.2 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!

Apply for Cash Back Visa

With the Cash Back card, you’ll enjoy:

  • 0% interest on balance transfers for 12 months2
    On balance transfers made in the first 90 days after account opening
  • 0% interest on new purchases for 12 months2
    On purchases made in the first 90 days after account opening
  • No over-the-limit fee
  • No annual fee4

 

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.

Apply for Prime Plus Visa

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!

Apply for Rewards Visa

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

  • 0% interest on balance transfers for 12 months5
    On balance transfers made in the first 90 days after account opening
  • 1.99% interest on new purchases for 12 months5
    On purchases made in the first 90 days after account opening
  • No over-the-limit fee
  • No annual fee4


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. The introductory APR on purchases is 0.00% for twelve months for purchases made in the first 90 days after account opening. The introductory APR on balance transfers is 0.00% for twelve months for balance transfers made in the first 90 days after account opening. Purchases and balance transfers made after the introductory rate periods will be charged at the non-introductory rate. The introductory rate does not apply to cash advances or similar cash transactions. The introductory rate will end twelve months from account opening. Your rate for purchases, balance transfers and unpaid balances after the introductory period will be adjusted to the non-introductory rates, based on your creditworthiness. Existing La Capitol credit card balances or loan accounts are excluded from this 0.00% balance transfer offer. Membership eligibility required. Visit lacapfcu.org for full membership eligibility requirements.
2 Earn a 1.00% rebate based upon Qualifying Purchases (minus returns) each billing cycle. Qualified Purchases you make will be accumulated and disclosed on your monthly statement. For complete details, visit lacapfcu.org  
3 You will earn a $150 bonus if you spend at least $1,500 in eligible purchases within 90-days of your new Visa Signature Cash Back account opening date, which are not later returned, disputed or rescinded. The purchase requirements and exclusions that apply to cash back rewards also apply to the bonus. Existing or previous La Capitol Visa Signature Cash Back cardholders will not be eligible for this one-time bonus.  
4 This means we do not charge an annual fee.
5 APR = Annual Percentage Rate. Our Prime Plus Visa has the lowest rate of any credit card we offer. The introductory APR on purchases is 1.99% for twelve months for purchases made in the first 90 days after account opening. The introductory APR on balance transfers is 0.00% for twelve months for balance transfers made in the first 90 days after account opening. Purchases and balance transfers made after the introductory rate periods will be charged at the non-introductory rate. The introductory rate does not apply to cash advances. The introductory rate will end twelve months from account opening. Your rate for purchases, balance transfers and unpaid balances after the introductory period will be adjusted to the non-introductory rates, based on your creditworthiness. Existing La Capitol credit card balances or loan accounts are excluded from this 0.00% balance transfer offer. Membership eligibility required. Visit lacapfcu.org for full membership eligibility requirements.