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Say Yes To Savings!

Through December 31, 2023, earn 2x the points* with our Visa Credit Card!

With your NCACU Visa® Platinum Rewards Credit Card, you’ll earn one point for every dollar in purchases. The more you spend, the more points you earn! Through December 31, 2023, you will earn 2x the points on every purchase!  

Save on every holiday purchase and reap your rewards: 

  • Purchases – as low as 10.99% APR* 
  • Balance Transfers – as low as 4.99% APR*   
  • Rewards – Through December 31, 2023, you’ll earn 2x points!* 

Rest easy with a low fixed APR. 

Amid rising prices and escalating rates, our low fixed APR translates to real savings for you. Rest easy with an NCACU Visa Card in your wallet. Your rate remains fixed despite the ebbs and flows of the market. Save even more with the added perk of zero fees when you choose our card—because keeping things straightforward and cost-effective is how we roll. 

Key features: 

  • No annual fee. 
  • A low APR means a low monthly payment. 
  • Your rate is fixed and will not change. 

Transfer expensive balances for added savings: 

If you have high-rate debt, roll it over to us with our affordable balance transfer offer. It takes only moments, but we can help make the transfer for you with a quick phone call. You’ll immediately reduce what you’re paying in interest rate, enabling you to focus on paying down your balance. 

Are you carrying debt with escalating interest? We can lighten your load with our affordable balance transfer option. Call us, and we’ll help make the transfer for you. You’ll benefit from a lower rate as soon as the transfer is made, giving you the breathing room you need. You can concentrate on reducing your balance, not just keeping up with interest. 

Don’t stay in a high-rate card that costs you more. At NCACU, you’ll benefit in several ways: 

  • SAVE with NO balance transfer fees. 
  • Pay LESS in interest. 
  • ONE monthly payment makes paying down debt easier. 

More convenience: 

Worldwide purchasing power makes holiday shopping worry-free. Shop at your favorite neighborhood stores, the big box stores, or anywhere online, 24/7!  

Our card is perfect for everything on your wish list: 

  • Buy gifts, travel, or revamp your holiday décor.  
  • Plan for meals, parties, and entertainment. 
  • Update your home, paint, and buy new furnishings. 
  • Bring the entire family together! 

Every purchase is secure. 

Advanced encryption levels and multi-factor authentication provide extra security in a world where fraudsters are everywhere. Feel confident, whether shopping online or in person, and gain even more safety with Visa’s Zero Liability Purchase Protection. This protection, backed by Visa, ensures that card issuers replace any funds fraudulently taken from your account if resulting from an unauthorized credit transaction within five business days of notification.   

Your card also features Visa’s advanced EMV chip technology. EMV chip cards have an embedded microchip, which securely stores data on the magnetic stripe. The microchip generates a one-time use code for each transaction — and changes with every transaction. So, if card data is stolen, that information can’t be used to create counterfeit cards or access your account. 

Signing means your transactions are secure. 

When you use your NCACU credit card, transactions go through Visa’s credit channel — and you gain additional protection. The credit channel also offers a more secure environment than debit, eliminating the chance for fraudsters to capture your PIN and access funds in your deposit accounts. That’s why we encourage you to sign for your debit card transactions as well. 

If your card is lost or stolen, please contact us immediately. Prompt notification ensures you are fully protected against fraud, and we can stop the crooks in their tracks. 

Not a cardholder?   

We’ll help get your card to you before the holidays arrive. 

CLICK HERE to apply. You’ll have your card when you need it most. 

Need a larger line? 

Don’t get caught short. Use this HANDY LINK to request a larger credit line. 

*APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Payments made to your account will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs. The balance transfer rate is effective on balance transfers for the first 12 months. After 12 months, the remaining balances will begin incurring interest at your card’s standard Retail/Purchase APR as disclosed in your cardholder agreement. Your account must be in good standing. Rewards and/or rebates are not eligible balance transfer offers. Balance Transfers are not good on other current NCACU card balances. Double Rewards Points are on qualifying transactions up to $2,999 and must earn at least one point. Balance transfers, cash advances, and returns do not earn points. Points will be rewarded by February 28, 2024. Other restrictions may apply; the applicant must meet current credit criteria, and we may need to pull a new credit report. See North Central Area Credit Union for details. 
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