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VISA/MasterCard Credit Cards
Get Added Purchasing Power…Accepted at millions of locations around the world

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Are you looking for a credit card that offers a great low rate and lots of benefits? A Carter Federal Credit Union VISA or MasterCard Credit Card means your everyday spending habits are returning something to you.

Enjoy the security, reliability and convenience of a Carter Federal VISA and MasterCard Credit Card, with these standard features...

  • $0 Fraud Liability
  • NO Balance Transfer Fee
  • No Annual Fee
  • No Penalty Rate
  • Introductory 2.99% APR* on balance transfers for the first six months.
  • 25-day Grace Period on Purchases
  • Baggage Delay Insurance
  • Credit Card Registration / Change of Address
  • Credit Disability and Credit Life Insurance Available
  • Free LetterChecks
  • Low Fixed Rates after introductory period
  • Online Account Access
  • Travel Accident Insurance up to $1,000,000
  • Year-End Summary of Charges
    *Annual Percentage Rates
  • Credit Line up to $20,000.00
  • Emergency Message Service
Exclusive Visa Platinum Benefits
  • Auto Rental Insurance
  • Car rental insurance coverage when the car is rented using a Visa card.
Exclusive MasterCard Platinum Benefits
MasterCard Exclusive Smart Shopper Benefits including:
  • Satisfaction Guarantee Coverage
  • Purchase Assurance®
  • Extended Warranty
  • Master RoadAssist® Service
  • Travel Assistance Services
  • MasterCard Global Service

View Your Credit Card Online
GoToMyCard™ allows you to check account balances, view account activity, and view statements 24 hours a day, 7 days a week.

Personalize Your Credit Card
You can even customize it with a personal photo of your choice by using Design It to design YOUR CARD, YOUR WAY!

Rewards2U


rewards!
rewards! is a unique program that rewards for using your participating Carter Federal Platinum Rewards VISA credit card.

rewards!It is really quite simple…use your card for all of your everyday purchases. From fuel to groceries to utility bills, your everyday purchases will really pay off. Your Points, Your Perks, Your Way! Once you have enough, use your points to redeem for fantastic rewards! You earn one point for every dollar spent on eligible purchases made with your Carter Federal Platinum Rewards VISA credit card. Simply click on the rewards! logo above or call the rewards! Service Center toll free at 866.678.5189.


MasterCard SecureCode®
How It Works: Secure Online Transactions & Payments
Shop Smarter with MasterCard SecureCode There are thousands of participatingSecureCodeonline retailers, and the list continues to grow.

Verified by Visa
With Verified by Visa you can create an additional password to protect your existing card for online purchases. Visit Verified by Visa to find out how it works.

Fees Associated with Carter Federal Credit Union’s Platinum VISA Card
  • Annual Fee
  • Introductory Rate
  • Purchase APR

  • Balance Transfer APR
  • Cash Advance APR
  • Default APR
  • Balance Transfer fee
  • Fee for foreign purchases
  • DESIGN YOUR OWN CARD fee
  • Late payment
  • Over the limit fee
  • Returned payment
  • Cash advance fee
  • None
  • 2.99%/6 months
  • 8.8% to 17.80% (based on credit worthiness)
  • 2.99%
  • 17.8%
  • None
  • None
  • None
  • $9.99 (one time charge)
  • $25
  • None
  • $35
  • $5 or 2% of the amount of each transfer, whichever is greater
Updated 7-1-2011
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VISA/MasterCard Credit Cards


 
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