IFCU Visa Credit Cards
Balance Transfer Special
Transfer your high-interest debt. Savor s’more savings with a balance transfer to an IFCU credit card. New and current card members welcome.
2.99% APR* for 12 Months^
No Balance Transfer Fees
Low Fixed-Rate and Cash Back Rewards Options.
Whether you're looking for cash back rewards or low interest, IFCU has a convenient credit card option to suit your needs.
Now Featuring Tap to Pay
When your credit card is due for a reissue, you will be receiving your new IFCU credit card, now featuring contactless, tap to pay! Learn more about contactless tap to pay here.
Can't wait to use the contactless tap to pay feature? Get your new card now by calling 765-771-8000. There will be a $5 fee to replace your card early.
IFCU Credit Card Quick Links
Credit Card Rewards
You can redeem points for cash or other rewards options.
IFCU Credit Card Options
Classic Visa - Low Fixed-Rate
Enjoy the confidence and consistency of a steady rate with no surprises.
- Fixed-rate card
- Rates currently 11.5%, 14.5% and 17.9% APR*
- No annual fee
- Minimum credit limit of $1,000
- Contactless Tap to Pay
- EMV Chip
- Use the IFCU credit card mobile app for complete card controls and transactions
- Up to $100,000 of free travel accident & baggage delay insurance
Platinum Visa - Cash Back Rewards Card
Rewards to use the way you want. Use your rewards points for a variety of great offers including travel, merchandise, and even cash!
- Variable-rate card
- Rate is currently 8.25% APR*
- No annual fee
- Minimum credit limit of $5,000
- Contactless Tap to Pay
- EMV Chip
- 3x points on all grocery purchases in person, curbside or delivery. through March 31, 2022 (on first $2,500 in purchases, then 1 point thereafter)
- 2X points on all gas purchases for the entire year of 2022
- 1X point for all other purchases
- Choose Cash Back or use rewards points for travel, merchandise, gift cards, and much more.
- Use the IFCU credit card mobile app for complete card controls and transactions
- Up to $400,000 of free travel accident & baggage delay insurance
Select Visa - Cash Back Rewards Card
Rewards to use the way you want. Use your rewards points for a variety of great offers including travel, merchandise, and even cash!
- Variable-rate card
- Rate is currently 11.25% APR*
- No annual fee
- Minimum credit limit of $2,500
- Contactless Tap to Pay
- EMV Chip
- Spend $500 within the first 90 days of activation and receive an additional 2500 points.
- 3x points on utilities, cable, and cell phone service through March 31, 2022
- 2X points on for restaurant dining and food delivery (Door Dash, GrubHub, UberEats, Postmates, etc.)
- 1X point for all other purchases
- Choose Cash Back or use rewards points for travel, merchandise, gift cards, and much more.
- Use the IFCU credit card mobile app for complete card controls and transactions
- Up to $400,000 of free travel accident & baggage delay insurance
ALL CARDS INCLUDE THESE FEATURES/BENEFITS
- Immediate cash advance up to credit limit
- Additional cards at no extra charge
- 25-day grace period for purchase balances (see disclosures below)
- Low annual percentage rate (APR)*
- Accepted at more than 20 million locations worldwide
- Easy cash access at over 855,000 ATMs
- Eligible for special offers and Visa discounts only offered to VISA card holders (Discounts include offers from restaurants, apparel retailers, health stores and more)
Download the IFCU Credit Card Mobile App
Your mobile solution to easily
access your credit card on the go.
Solid Advice You Car Trust
IFCU Has Gift Cards
Visa Gift Cards are for Christmas, birthdays, weddings, thank yous, last minute gifts, corporate gifts— anything! Whatever the occasion, you’ll never have to worry about a gift again!
IFCU Credit Card Rates and Fees
- Platinum Visa Credit Card (Variable Rate)
- Visa Select Credit Card (Variable Rate)
- Classic Visa Credit Card (11.5% APR*)
- Classic Visa Credit Card (14.5% APR*)
- Classic Visa Credit Card (17.9% APR*)
- Visa Credit Cardholder Agreement
* Annual Percentage Rate (APR). Credit card approval depends on creditworthiness and other qualifications. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 765-771-8000 option 1 to talk to a consumer loan specialist for current rates, terms and conditions.
1 Promotion runs from Thursday, November 25 through Tuesday, November 30, 2021. An additional 5 Bonus Points per dollar spent (up to 10,000 Points) will be awarded on all retail net purchases (net purchases are purchases minus credits and returns) made during the promotion period. After 10,000 point threshold, 1 Point per dollar spent for all net purchases thereafter. Not all transactions are eligible to earn rewards, such as Advances and Balance Transfers. If you have any questions, call Cardmember Service at 888-564-4328.
