PriorityONE Credit Union of Florida

Visa Platinum Credit Card

The PriorityONE Platinum VISA credit card is a card with real savings, no gimmicks, just value and convenience featuring:

  • No annual fee
  • Interest-free grace period on purchases
  • No fee for cash advances or balance transfers
  • Same rate for cash advance and purchases
  • CU Rewards points for travel or merchandise
  • Visa alerts via email and cell phone
  • Customized card design (use your own picture on your card!)
  • Online access

With PriorityONE's Visa Platinum credit card, you can earn valuable points toward premium merchandise and exciting travel opportunities through our new rewards program, CURewards. When you enroll in CURewards, you earn one point for every dollar you charge on your PriorityONE Platinum. These valuable points are good toward name brand electronics, house wares, fitness equipment and jewelry. You can also choose to redeem them for great travel options like airline tickets, cruises,hotels, and overseas tours. There is no limit to the amount of points you can earn. Just visit www.curewards.com to learn more about the program.

Rates and terms are subject to change without notice. Some restrictions may apply. Approval is subject to credit union loan policies and guidelines. Rates are subject to creditworthiness.

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Visa Platinum Secured Credit Card

A secured credit card is a great option for establishing or rebuilding your credit history. Once you qualify, your credit line must be secured by funds in your savings account. For example, if you are approved for a $500 credit card, then you must keep a minimum of $500 in your savings account. They are available in amonts from $500 to $2,000. This card features:

  • No annual fee
  • Interest-free grace period on purchases
  • No fee for cash advances or balance transfers
  • Customized card design available
  • Same rate for cash advance and purchases
  • Visa alerts via email and cell phone
  • CU Rewards points for travel or merchandise
  • Customized card design (use your own picture on your card!)
  • Online access

Requirements

  • Must be a member of PriorityONE Credit Union (and be the primary account holder)
  • Must be 21 years or older (a co-signer is needed for applicants younger than 21)
  • Complete credit card application
  • May require verification of income
  • Copy of drivers license or state-issued ID
  • Your credit line must be secured by funds in your savings account**

*Annual Percentage Rate. Subject to credit union lending guidelines. **Secured by equivalent funds in your PriorityONE savings account.

Mobile App for Managing Your Credit Card

Enjoy on-the-go card management that's fast and easy!

We have a new, free app to help our members manage their credit cards on the go! Download the PriorityONE CC app from iTunes and Google Play now!

With this app you can do the following from any location at any time:

  • View recent and pending transactions.
  • View next payment amount and due date.
  • Make a payment to your card.
  • Report a card lost or stolen.
  • Raise a dispute on any transaction.
  • Activate a card

Don't have a PriorityONE Credit Union of Florida credit card yet? Apply for one today and take advantage of its great benefits.

Getting Started

Download the app from the store, grab your credit card, and register on the phone. It's that easy.

Safety

You're protected by 128-bit encryption through your mobile device.

No personal information is stored on your mobile device.

VISA Platinum Annual Percentage Rate For Purchases, Transfers, and Cash Advances Monthly Periodic Rate
Score Range 760 + 7.99% 0.6658
Score Range 720 - 759 9.99% 0.8325
Score Range 680 - 719 11.99% 0.9992
Score Range 640 - 679 13.99% 1.1658
Score Range 001 - 639 17.99% 1.4992
Grace Period for Purchases 25 Days**
Method of Computing Balance for Purchases Average daily balances including new purchases
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction Fee 1.00% of each transaction in U.S. dollars.
Late Payment Fee Up to $25.00 if your payment is late 5 days or more.
Credit Card Replacement (Lost or Stolen) $5
Returned Payment Fee If your payment is returned for any reason, up to $25.00 or the amount of the required minimum payment, whichever is less.
Stop Payment Fee Up to $20.00 if you stop payment of a check or other item for any reason.

**A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25 day period, a Finance Charge will be imposed on that unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date.

The Finance Charge for a billing cycle is computed by applying the Monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by add¬ing to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. Rates and terms are subject to change.

The above information is accurate as of January 2011 and is subject to change after that date. For any change in this information since it was printed, contact us.