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Visa® Credit Cards

"Very awesome credit union. They are by far the best. Thanks for all that you guys do!"

Smiling man with a white sweater and stubble Adam O.
  • Fast

    Quick application turnaround

  • Fewer fees

    Saves you money

  • Apply Now!

Some of the lowest rates around

Looking for a credit card with a great rate? You’ve come to the right place. Our variable-rate and fixed-rate Visa Platinum cards start lower than the big bank options, which typically range from a 10.99% annual percentage rate (APR) to 12.99% APR (retail store credit cards often start as high as 26.99% APR).

It doesn’t end there either. Your same low rate will apply not only to purchases, but to cash advances and balance transfers. Other issuers typically charge higher rates for the latter two types of transactions. Our cards also include a generous grace period of 25 days.

For those with little or no credit history, we offer a secured credit card to help a person build credit with responsible card use. See details.

Avoid hefty fees

Many banks charge pesky fees on their credit cards at regular intervals or for certain types of transactions. We eliminate unnecessary fees, giving you the freedom to use your card however, whenever you want.

  • No monthly or annual fees
  • No setup fee
  • No program fee
  • No monthly servicing fee
  • No minimum finance charges
  • No transaction fees
  • No cash advance fees
  • No balance transfer fees
  1. 1

    Free balance transfers

    Do you have high-interest credit card debt? You can transfer your balance to a lower-rate Arsenal card for free.

  2. 2

    Easy mobile payments

    Leave your wallet behind and make purchases with your phone. You can connect your credit card with Apple Pay®, Google Pay® or Samsung Pay® for extra convenience.

  3. 3

    Rewards points

    Earn points every time you make a purchase with your credit card. You can redeem your points online for a wide variety of merchandise, travel and gift cards – or you can use them to make payments in $50 increments to your Arsenal credit card balance.

Get your low-rate credit card

We have a fast, simple online application.

Apply Now!


Card Type Limit APR*
Fixed-rate Visa Platinum $300 - $30,000 credit limit 9.90% APR-17.90% APR
Variable-rate Visa Platinum Max $5,000 credit limit 8.75% APR
*(prime + 4.50% with a cap of 18.90%, may adjust monthly)

No annual or monthly fees; no minimum finance charge; no cash advance fees; no balance transfer fees; no penalty rate; 25-day grace period.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9-1-19.


Fill out an online travel notification by signing into your online banking account, clicking on the Secure Forms tab, and then clicking on the Travel Notification for Debit and Credit Cards option. You can also call to let us know you're leaving at 314.962.6363 or 618.239.6363, option 6 then option 1.
The only place to get a truly free credit report is You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.
If you have a credit card with us already, but it has been lost or stolen, call Visa at 1.800.449.7728.
If you have any questions about your points balance or using your rewards card, please contact CURewards member services at 800.637.7728. You can also contact our member services department at 314.962.6363 or 618.239.6363, option 6, then option 2.
Once you have applied for a secured Visa Credit Card and it is approved:
  • Based on the dollar amount you are requesting, you would need to deposit that amount into your Arsenal savings account
  • A Visa card would be issued within 7-10 business days
  • The card would have the limit of the amount you deposit
  • A hold would be put on the funds in your savings account in the amount of the credit line for the Visa
  • The interest rate would be 13.90% APR
  • You would use the secured Visa just like a regular credit card
  • Payments would be due on the 20th of each month
  • The credit union would report to the credit bureau each month about your payment history

Still have questions?

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Security options

These extra features add layers of more complete security to your credit card, keeping you and your money safe.

  • Alerts and Controls

    Easily set up alerts and controls for your credit card online. You can receive text and email notifications for specific activity, such as purchases at the gas pump, international purchases, purchases over a certain dollar amount, transactions taking place out of designated times and much more.

    Set Up Alerts and Controls
  • Travel Notifications

    Whenever you travel, let us know in advance so we can prevent your credit card transactions from being declined while you are out of town due to unusual behavior and the appearance of your card being fraudulently used by others.

  • Verified by Visa

    If you want to make online purchases more securely, set up Verified by Visa. It's an easy way to register your card with Visa and helps protect you against fraud.

    Set Up Verified by Visa

Get your low-rate credit card

Apply Now!

Read our credit card agreement and disclosure.