VISA Credit Cards

Nothing fits quite like a Visa card from VCCU! It's the perfect accessory for your trip to the Outlet Mall, a weekend getaway or any other occasion. Try one on for size. You'll love our low-cut interest rate, comfortable terms and NO transaction fees. Apply online today!

Visa Platinum Cards

Platinum Rewards                                            

Enjoy a card loaded with perks: No annual fee, an Annual Percentage Rate as low as 9.95%, no finance charges for balances paid off within 25 days of statement closing date and more. You’ll receive concierge service, travel insurance and the convenience of a Visa card that’s honored at more than 29 million locations worldwide. Plus, with every purchase made with your VCCU Platinum Rewards Visa, you’ll earn 1 point for every dollar spent. Earned points are redeemable for merchandise, airfare, vacation packages and more. Unused points expire after 5 years.

To find out what awards are available, simply enter the site and browse the catalog in the Travel and Merchandise sections. To redeem your Rewards Points for awards, log in with your username and password and follow the easy ordering process found in the Order Form and Rules section.

Check back often to see what great new travel and merchandise awards we've added!

Visa Platinum

What a deal! No annual fee, no finance charges for balances paid off within 25 days of statement closing date, no minimum finance charge and a competitive Annual Percentage Rate! Even if you already have a Visa, you'll want ours.  In fact, you'll more than likely want to transfer your other card's balance to your new card to avoid paying their hidden fees. 

Skip-A-Pay

Visa loans at least a year old and in good standing may be eligible for Skip-A-Pay. Restrictions and qualifications may apply. Visa loans are eligible for one free skip per year. To see if you are eligible or to skip a payment call 805/477-4000.

Visa Balance Transfers

You can take control of your credit card debt and save money too. Transfer your high rate card balances to your VCCU Visa. Print and complete a Credit Card Balance Transfer Form then return it by mail or fax or bring it to any VCCU office.

Visa Checks

These are perfect for life's little emergencies, like when someone doesn't accept credit cards and you don't have any cash. If you have a VCCU Visa® card and an available line of credit, you've got an instant loan. Call to get your supply of these checks today at 805/ 477-4000.

Verified by Visa is Here

Shop online with peace of mind. Verified by Visa is a FREE security service that lets you choose and register a password for your Visa credit and debit cards. When shopping at participating online merchants, only you and those you authorize can complete transactions. No password, no sale. Verified by Visa is a terrific way to protect your Visa against fraudulent use. Click here to sign up for Verified by Visa today.

To report a lost or stolen VCCU Visa, call 800/ 991-4965. 

Important Visa Credit Card Disclosures

The following disclosure represents important details concerning your Credit Card. The information about cost of the Card are accurate as of the effective date shown below. You can call us at (805) 477-4000 or write to us at: Ventura County Credit Union, P.O. Box 6920, Ventura, CA 93006-6920 to inquire if any changes have occurred since the effective date.

INTEREST RATES AND INTEREST CHARGES

 VISA PLATINUM
REWARDS

 VISA PLATINUM

 

Annual Percentage Rate (APR) for purchases as low as 9.95%-10.45% as low as 11.55%-21.955%
APR for Cash Advances as low as 9.95%-10.45% as low as 11.55%-21.95%
APR for Balance Transfers          as low as 9.95%-10.45%  as low as 11.55%-21.95%   
Paying interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For credit card tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit, visit the government's Consumer Finance web site.

Fees  
Set up and maintenance fees
Annual fee
Account set-up /Issuance/Application fee
Program fee
Participation fee
Account maintenance fee on closed accounts
PIN replacement fee
None
Card replacement fee $5 per card
Transaction Fees   
Cash advance transaction fee

3%

Balance transfer fee  3%
Foreign transaction fee                       1% of each foreign transaction, regardless of whether the transaction is in U.S. dollars 
Penalty Fees   

Late Payment fee

If your payment is 5 or more days past due, you will be charged 5.00% of the payment due - $7 maximum

Over credit-limit fee 

None

Returned payment fee

$15 if check deposited and returned from a 3rd party; $25 if check deposited and returned from member's account at another financial institution.  

How we calculate your balance We use a method called "Average daily balance (including new purchases)."
Billing rights Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Effective Date This information about the costs of the cards described in this disclosure is accurate as of AUGUST 1, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
    
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