IFCU Visa Credit Cards

IFCU Visa Credit Cards

Balance Transfer Special!

Balance Transfer

Knockout debt with a balance transfer to your IFCU Platinum, Select or Classic credit card. New and current card members welcome.

4.99% 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.



Credit Card Rewards

Cash Back Rewards
Redeem Points For Cash Back
Sometimes choosing between a cash back credit card and a rewards credit card can be tough. With IFCU's rewards credit cards, you don't have to choose!

You can redeem points for cash or other rewards options.
Cash Back Rewards
Travel Rewards
Redeem Points For Travel Rewards
Apply your points towards your dream vacation to make it more affordable.
There are several travel benefits to choose from, like airline and hotel reservations.
Redeem points for travel
Merchandise and Gift Cards
Redeem Points for Gift Cards and Merchandise
Use your rewards points to choose gift cards from a list of major retailers, or a huge variety of merchandise.
Redeem points for gift cards

IFCU Credit Card Options

Classic Visa - Low Fixed-Rate

Enjoy the confidence and consistency of a steady rate with no surprises. 


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! 


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! 


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 Can Trust

Best Practices for Using a Credit Card
Best Practices For Using A Credit Card
By properly managing a credit card, you can earn rewards and build your credit score, all while making your regular purchases.
Best Practices for using a credit card
Choosing a Credit Card
Choosing a Credit Card
Using a credit card is easy. But choosing one isn’t always simple.
Shopping with a credit card is a snap, but shopping for the card that’s right for you is another matter. Ask yourself these questions:
Choosing the Right Credit Card
Choosing a Credit Card
Credit Card Payoff Calculator
The Credit Card Payoff Calculator shows you how much interest you’ll have paid by the end of your payoff date. Use that information to give your debt a complete overhaul and start paying a monthly rate that helps you save on interest charges.
Choosing the Right Credit Card

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

* 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.

* *Balance Transfer - Annual Percentage Rate (APR). Promo ends March 31, 2023. The 4.99% APR promo rate applies to balance transfers to an IFCU credit card from a non-IFCU credit card. No minimum balance required. Purchases and cash advances excluded. ^Rate is good for 12 months from the first initial transfer, after which the APR will convert to the cash advance rate of 12.50%, 15.50%, 13.50% or 14.50%, determined by VISA product and creditworthiness. The APR will be fixed for the Classic card and variable for the Platinum/Select card after promotion period ends. The variable rate APR will vary with the market based on the Prime Rate and is adjusted monthly. It is determined by adding 5% to the highest U.S. prime rate published in The Wall Street Journal “Money Rates” table on the 15th business day of the month. The rate is effective on the first day of the billing cycle. New and current cardholders eligible. Credit card approval depends on creditworthiness and other qualifications.

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