Credit Card

MyUSA Credit Union offers several MasterCard ® and Visa ® Credit Card options. All with low interest rates and plenty of benefits to optimize your spending power.


Mobile Wallets

apple pay google pay and samsung pay

Make payments with a single touch in participating stores and restaurants. Load our Mastercard or Visa Credit Card to your Apple, Google or Samsung Mobile Wallet.

Contactless Purchase

contactless symbol

Look for the Contactless symbol at checkout and simply tap your Mastercard or Visa Credit Card. Your payment is processed in seconds! 

Visit our FAQ Page for additional information on Contactless Purchase.

MobiMoney Card Control App

MobiMoney

The only app that gives you full control of your Mastercard and Visa Credit Card usage. Turn you card off/on, receive instant alerts, and limit usage based on preferences you select.

Visit our FAQ Page for additional information on MobiMoney.

Benefits

  • Competitive rates
  • REWARDS program
  • Secure chip-EMV card technology
  • Easy access through Online / Mobile Banking
  • Automated payment options
  • Consolidated statements
  • True 25-day grace period
  • 24-hour ATMS: look for Mastercard or PLUS logos
  • Cash advances
  • Mastercard Secure Code*
  • Mobile app card controls

Subject to credit approval. Some restrictions may apply. Contact a MyUSA CU associate for details.

* Mastercard Secure Code is a unique service that uses personal passwords to help our members protect Mastercard card numbers against unauthorized use. Once you activate your card, no one else can use your Mastercard card number at any participating online stores without your personal password. Mastercard Secure Code is available only for select Mastercard cards from participating financial institutions.

Platinum Rewards

Use your MyUSA Rewards card for all of your everyday purchases. From fuel to groceries to utility bills, your everyday purchases will really pay off. For every $1.00 you charge on your Platinum Mastercard, you earn one point*. It’s that easy! Visit our rewards website to learn more about earning rewards or call 866-678-5189, 24/7.

Design It! PHOTOCARD!

With Design It! PHOTOCARD!* you can personalize your card by adding a favorite photo of almost anything – your graduation, children, pet, or any of your favorite photos. There is also a gallery of photos and designs that include themes like: patriotic, nature and wildlife, landscapes, and sports and hobbies. It just takes a few minutes to request a card that is as unique as you are. Get a card that reflects you!

How it works:

  • Visit the Design It Photocard Website
  • Enter your card number and zip code
  • Click Design It!
  • Upload your photo or choose an image from the gallery
  • Format the picture
  • Preview and submit
  • Receive your unique card in two to three weeks

* Fees may apply.

When you travel, you make purchases outside your normal pattern. These purchases may be blocked by our fraud department. Prior to traveling outside the state, contact us using one of these methods:

  • Call us at 800-633-8905
  • Complete our secure online travel notification form:

Travel Notification

For additional Mastercard and Visa Debit Card security, download our MobiMoney App to turn your card off/on, receive instant alerts, and limit usage based on preferences you select. Download from Google Play or the App Store.

Low, Non-Variable Rate:

14.88% APR*

Balance Transfer Intro Rate:

1.99% APR*

* APR=Annual Percentage Rate. Applicants with low credit may qualify for this card. Introductory rate is active for 6 billing cycles. All payments over $1,000 may be subject to a three day hold. View VISA Credit Card Disclosures.

** ScoreCard Rewards expire after 36 months. Refer to your online account or ScoreCard statement for details.

Benefits

  • No cash advance fee
  • No balance transfer fee
  • No penalty fee
  • No annual fee
  • 25-day billing cycle
  • 10-day grace period
  • No minimum finance charge
  • Automatic enrollment in ScoreCard Rewards**
  • $250,000 Travel Accident Insurance coverage when used to buy airline tickets
  • Car rental liability insurance coverage when used to rent car
  • Accepted at millions of merchants around the world
  • Online account management
  • Chip technology, fraud protection, and enhanced 3D-Security
  • Easy access through Online / Mobile Banking

Secured Visa Credit Card

Secured Visa Credit Card available. If your goal is to improve or repair your credit score, we can offer you a Secured Visa Credit Card between $250 and $500. You pledge the equal amount of the credit limit with cash, and we hold it in an dividend bearing savings account. After 12 on-time payments, you may reapply for an unsecured VISA Credit Card and get your pledged funds released – plus dividends!

Low, Non-Variable Rate:

12.99% APR*

Balance Transfer Intro Rate:

1.99% APR*

* APR=Annual Percentage Rate. Qualification for this card is an average credit score. Introductory rate is active for 6 billing cycles. All payments over $1,000 may be subject to a three day hold. View VISA Credit Card Disclosures.

** ScoreCard Rewards expire after 36 months. Refer to your online account or ScoreCard statement for details.

Benefits

  • No cash advance fee
  • No balance transfer fee
  • No penalty fee
  • No annual fee
  • 25-day billing cycle
  • 10-day grace period
  • No minimum finance charge
  • Automatic enrollment in ScoreCard Rewards**
  • $500,000 Travel Accident Insurance coverage when used to buy airline tickets
  • Car rental liability insurance coverage when used to rent car
  • Accepted at millions of merchants around the world
  • Online account management
  • Chip technology, fraud protection, and enhanced 3D-Security
  • Easy access through Online / Mobile Banking

Low, Non-Variable Rate:

9.99% APR*

Balance Transfer Intro Rate:

1.99% APR*

* APR=Annual Percentage Rate. Qualification for this card is a high credit score. Introductory rate is active for 6 billing cycles. All payments over $1,000 may be subject to a three day hold. View VISA Credit Card Disclosures.

** ScoreCard Rewards expire after 36 months. Refer to your online account or ScoreCard statement for details.

Benefits

  • No cash advance fee
  • No balance transfer fee
  • No penalty fee
  • No annual fee
  • 25-day billing cycle
  • 10-day grace period
  • No minimum finance charge
  • Automatic enrollment in ScoreCard Rewards**
  • $500,000 Travel Accident Insurance coverage when used to buy airline tickets
  • Car rental liability insurance coverage when used to rent car
  • Accepted at millions of merchants around the world
  • Online account management
  • Chip technology, fraud protection, and enhanced 3D-Security
  • Easy access through Online / Mobile Banking

VISA Account Updater

When you use your MyUSA CU Visa debit (check) and credit card for recurring payments, like utility bills, Visa will automatically update your card information through the Visa Account Updater (VAU) service whenever your card information changes. All Visa credit and debit card holders enjoy this benefit; no enrollment or activation is required. Click the icon below to opt-out.


REACH Financial Success Education

Credit Cards

83% of adults in the US have at least one credit card. A credit card can be a great financial tool with many benefits, but it’s important that consumers also understand the consequence if they don’t use their cards responsibly. This short, interactive learning experience will review:

  • How credit cards work
  • The benefits and risks of credit cards
  • How credit card use influences your credit score

Now accepting MyUSA Credit Union 2021 Board of Directors NominationsView Complete Details on 2021 Board of Directors Nominations
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