Banking Services

Credit Cards

Visa® Platinum Card

• Ascentra Credit Union's Visa® Platinum credit card is the card you won't discard. Enjoy payment convenience and economy with a competitive interest rate.
• A Visa® Platinum card is a great deal for lots of reasons:
  • Very Low Balance Transfer Rate of 2.99% APR* - Transfer your balances from credit cards at other financial institutions and receive the low 2.99% APR rate for the first six months following the transfer.  After that, your APR will be 9.88% to 21%, based on your creditworthiness
  • Greater Travel Protection - Charge your airline or any other common carrier travel tickets on your Visa® Platinum and get $500,000 in travel accident insurance - automatically.
  • Warranty Manager Service - Warranty registration and extended warranty protection are available with a simple toll-free telephone call.
  • Auto Rental Insurance - Have peace of mind because most rental vehicles are covered up to their actual cash value if they are damaged due to collision or theft, all at no additional cost.
• Other reasons to own a Visa® Platinum card from Ascentra Credit Union include:
  • No Annual Fee. . . to save you money.
  • A Lower Minimum Payment - Pay just 2% of your balance each month, not the 5% many other cards charge.
  • 25-Day Grace Period For Purchases - Take up to 25 days to repay your balance before incurring a finance charge, providing balance is paid in full.
  • No Transaction Fee - Get cash whenever you need it. Your Ascentra Visa® doesn't charge extra fees for cash advances (unlike some other card issuers). And there's never an extra fee for making purchases with your card.
  • Fraud Detection - Your credit card transactions are monitored for potentially fradulent transactions.  If any unusual activity is detected, you may received a telephone call regarding your account.
  • Worldwide Credit Acceptance - Carry your credit in your pocket wherever you travel. Visa® is accepted at more than 11 million locations around the world.
  • Pre-Trip Assistance - Get information on your destination before you leave, such as ATM locations, currency exchange rates and weather reports.
  • Instant Cash Advances - Use your card to get quick cash at more than 65,000 automated teller machines (ATMs) and banking outlets around the world - with no transaction fees.
  • Easy Payment Plan - For maximum convenience, you can make your credit card payments through automatic deduction from your Ascentra share draft checking account or savings account.
  • Payment Protection - Gain peace of mind with payment protection coverage that pays your outstanding balance if you can't, due to death or disability.
  • Easy Purchase Downloads - Purchase history can be easily downloaded to Quicken or Money.
• To get your Visa® Platinum credit card, request it when completing the Loan Application; call our offices at (563) 355-0152 or (800) 426-5241, Ext. 1; or stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine.

*2.99% APR is an introductory rate for the first 6 months.  After that, your APR will be 9.88% to 21%, based on your creditworhiness

MyCardInfo

For fast access to your credit card account information in real-time use this link to enroll - mycardinfo.com.  After you enroll for this free service, you will be able to:

• Access current balance information
   
• Find out when your last payment was made
   
• View current activity
   
• Review statement history
   
• Make a credit card payment online
   
• Make an inquiry about your account.
   
• Request a credit line increase
   

Verified by Visa

Verified By Visa® is a new security feature to protect your private information when using your Ascentra Credit Union Visa® Credit Card or Debit Card for online purchases. This program will protect your financial information by requiring a password to complete an online purchase. By clicking the link below, you will access an enrollment website to set up your credit or debit card authorization. You will be prompted to enter some identifying information and to set up a password that you will need to use each time you complete an online purchase with your card.

Enrollment in Verified by Visa® is recommended if you intend to use your Ascentra Credit Union Visa® Credit or Debit Card for online transactions.

Should you choose not to enroll, usage of your cards for normal in-person or telephone based transactions will not be affected.

   Enroll your Visa® Credit or Debit Card.

What to expect the next time you shop online.

Shop online and activate Verified by Visa.
Your Visa® card is now protected by Verified by Visa® - it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction. It only takes a moment, and then your card will have password protection whenever you shop online.

How to Sign Up
Signing up is as easy as 1 2 3…

Shop online with greater security at participating stores listed at www.visa.com/shopverified.