Choose Platinum or Platinum Rewards

It’s your choice. Our Platinum credit card offers the lowest rate – as low as 8.95%. Perfect when you want the most affordable monthly payment when financing bigger-ticket items.

Our Platinum Rewards card rates start as low as 9.95%. With every purchase made with your VCCU Platinum Rewards card, you’ll earn 1 point for every dollar spent. Earned points are redeemable for merchandise, airfare, vacation packages and more.

(Due to the enhanced security and features that have been added to our Rewards Fulfillment website, you will need to RE-REGISTER before you log in. Simply click "Register Now!" and follow the prompts. *All current rewards points will carry over to the new website.)

Credit Card Rewards

To find out what awards are available, simply visit the site and browse the catalog. To redeem your points for awards, log in with your username and password and follow the easy ordering process. Check back often to see what great new travel and merchandise awards we've added!

Whatever card you choose, it’s loaded with perks: No annual fee, a competitive rate, no finance charges for balances paid off within 25 days of statement closing date and more. With every card you’ll receive concierge service, travel insurance and the convenience of a card that’s honored at millions of locations worldwide. Apply online today!

Skip-A-Pay

Credit Cards at least a year old and in good standing may be eligible for Skip-A-Pay. Restrictions and qualifications may apply. Credit Cards are eligible for one free skip per year. To see if you are eligible or to skip a payment call 805.477.4000.

Credit Card Balance Transfers

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

Credit Card 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 Credit 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 Credit Card, call 800.991.4965. 

Important 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

Annual Percentage Rate (APR) for purchases

8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
APR when you open your account, based on your creditworthiness.
The rate will vary with the market based on Prime Rate.

APR for Cash Advances 8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
The rate will vary with the market based on Prime Rate.
APR for Balance Transfers          8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
The rate will vary with the market based on Prime Rate.
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 Consumer Financial Protection Bureau

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
None

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

3%

Balance transfer fee None
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 andreturned 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.