Credit Card

with fine print you'll love to read!

Ascentra Credit Card

With so many benefits, you’ll love reading the fine print of the Ascentra Visa® Credit Card! Get the freedom to cover unexpected expenses with awesome perks and the best rewards program, uChoose Rewards

Enjoy payment convenience through our mobile app, secure chip technology, mobile wallet compatibility, and so many other features:

 

  • No Annual Fee
  • No Balance Transfer Fee...What'chu 'talkin 'bout, Willis? That's unheard of.
  • Low Balance Transfer Rate - 2.99% APR* introductory rate for the first six months following the transfer.
  • No Ridiculously High Rates - Rates as low as 9.88% APR* up to 17.88% APR*, based on your creditworthiness.
  • Special Holiday Shopping Rate of 4.9% APR** - Starting Nov. 1 each year!
  • uChoose Rewards - Combine points when you link your Ascentra Debit Card and earn more rewards for great merchandise, event tickets, travel, statement credits and much more.
  • CardValet - Control your card and monitor transactions.

 

Ascentra Members

 

Apply Here

 

Non-Ascentra Members

 

Apply Here


Ascentra Credit Card

Other Features

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.

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.

 
  • Visa® SRC (Secure Remote Commerce)

    two triangles pointing to the rightSwiping your debit and credit cards is so last year. Now you can click-to-pay with your Visa card any time you see this icon at an online retailer.

    This makes shopping online easysmart and secure.

    Easy: Simply register your card and click-to-pay at any online retailer that has the symbol above and BOOM! Purchase made.

    Smart: Gone are the days of punching in your 16-digit card number, and filling out form fields to make a purchase. Because when you set up your Visa Secure, your primary info such as card number, passwords, address, etc. is remembered and automatically inputted, making your transaction that much faster. 


    Secure: With advanced technologies and multiple layers of security, Visa is among the top safest debit and credit card companies.

    Get Registered
  • Lost or Stolen Visa Credit/Debit Cards

    If your Visa® credit or debit card has been lost or stolen and it is during business hours please call us at:

    1-563-355-0152 or 
    1-800-426-5241 ext. 0. 

    If calling outside of regular business hours please call card services at:

    1-800-472-3272 for Visa® debit or 1-855-632-9037 for Visa® credit







  • CardValet

    CardValet is an app that allows you to keep an eye on your Ascentra Visa Credit and Debit Card with your smartphone. You can turn your card “off” if you misplace it and turn it back “on” if you realized your card was in your coat pocket the whole time. OPE!

    You can also set spending limits for yourself or your children, get alerts anytime your card is used, and more. 
    Learn More
 *2.99% APR is an introductory rate for the first 6 months. After that, your APR will be 9.88% to 17.88%, based on your creditworthiness.
**Holiday Shopping Rate for purchases good through the June billing cycle, after which the rate will return to the standard rate indicated on your statement. Ascentra Visa Credit Card must be opened by October 31 to qualify for the special Holiday Shopping Rate.


Adventure with Ascentra Header

Upon clicking submit, you will be re-directed to this web page: https://www.ascentra.org/borrow/credit-card
Adventure Contest Website Graphic

Winners will be randomly chosen on Friday of each week in August via Facebook live. There will be three (3) Weekly Prize Winners, the prize, which varies by week, will be picked up by the winner at our Bettendorf branch at 2019 Grant Street, Bettendorf, Iowa. One (1) Grand Prize Winner. Prizes will be picked up at our Bettendorf branch at 2019 Grant St. Bettendorf, Iowa. Weekly submissions must be entered by 11:59pm Thursday prior to the Friday weekly drawing. The winner will be contacted by an Ascentra Credit Union employee.  People who win a weekly prize are not eligible to win another weekly prize, but will still be eligible for the grand prize drawing, which will be held on August 28. Entries must be submitted by August 27, 2020 at 11:59pm. Non winning weekly entries will be entered in the following weekly drawings and grand prize drawing. By entering, you give us permission to send you marketing materials via email. One entry per valid email. Giveaway runs from August 1 – August 28, 2020. Employees and their immediate household members are not eligible to win.

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