IFCU Visa Credit Cards
Balance Transfer Special!
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.
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
- 4.99% APR** Balance Transfer
- 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
- 4.99% APR** Balance Transfer
- Rate is currently 12.50% APR*
- No annual fee
- Minimum credit limit of $5,000
- Digital Wallet compatible
- Contactless Tap to Pay
- EMV Chip
- 3x points on all grocery purchases in person, curbside or delivery. Applies to the first $2,500 spent. (through March, 31, 2023 on first $2,500 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
- 4.99% APR** Balance Transfer
- Rate is currently 15.50 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 utilities, cable, and cell phone service. (through March. 31, 2023)
- 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
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.
* *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.
