IFCU Visa Credit Cards
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.
IFCU Credit Card Quick Links
Credit Card 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.
You can redeem points for cash or other rewards options.
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 Gift Cards and Merchandise
Use your rewards points to choose gift cards from a list of major retailers, or a huge variety of merchandise.
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
- Digital Wallet compatible
- 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 13.25% APR*
- No annual fee
- Minimum credit limit of $5,000
- Digital Wallet compatible
- Contactless Tap to Pay
- EMV Chip
- 3x points on airline & hotel purchases (through June, 30, 2023 on first $5,000 in purchases, then 1 point thereafter)
- 2X points on all gas purchases for the entire year of 2023
- 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 16.25% APR*
- No annual fee
- Minimum credit limit of $2,500
- Digital Wallet compatible
- Contactless Tap to Pay
- EMV Chip
- Spend $500 within the first 90 days of activation and receive an additional 2500 points.
- 3x points on home improvement purchases. (through June, 30, 2023 on first $5,000 in purchases, then 1 point thereafter)
- 2X points on 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 Can Trust
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.
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:
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.
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.
