Personal Credit Cards
Get purchasing power and plenty of perks.
Find the right credit card to round out your personal finances
Whether you want the lowest rate or the greatest reward possibilities, get your go-to Visa® credit card from CommonWealth One
Visa® Signature Rewards
Maximize your rewards on your everyday purchases while enjoying lots of personalized extras.
Visa® Platinum Rewards
Earn one reward point for every dollar spent and redeem points for travel, merchandise, gift cards or cash back.
Visa® Platinum
Get the credit card that features our lowest rate for purchases and no fees for balance transfers or cash advances.
Visa® Platinum |
Visa® Platinum Rewards |
Visa® Signature Rewards |
|---|---|---|
| Technology | ||
|
EMV chip enabled for additional layer of protection against fraud |
EMV chip enabled for additional layer of protection against fraud |
EMV chip enabled for additional layer of protection against fraud |
| Signature Benefits | ||
|
n/a |
n/a |
Complimentary 24-hour Concierge Services, discounts at top retailers and online merchants, Visa Signature Perks |
| Credit line | ||
|
Up to $25,000 |
Up to $25,000 |
Up to $25,000 |
| Cardholders | ||
|
Single or joint account, authorized users |
Single or joint account, authorized users |
Single or joint account, authorized users |
| Rewards points | ||
|
None |
Earn 1 CURewards point for every dollar on all purchases |
Get 10,000 bonus rewards points when you spend $1,500 in retail purchases within the first 90 days of opening your account† Earn 1.25 CURewards points for every dollar spent on all purchases |
| Rewards Options | ||
|
None |
Redeem for cash, travel, merchandise or gift cards |
Redeem for cash, travel, merchandise or gift cards |
| Point limits | ||
|
n/a |
None |
None |
| Point expiration | ||
|
n/a |
5 years |
5 years |
| Extended benefits | ||
|
Auto rental insurance |
Travel Accident Insurance up to $50,000 |
Travel Accident Insurance up to $250,000, Emergency assistance service, Warranty management service |
| Set-up & Maintenance Fees | ||
| None | None | None |
| Balance Transfer Fee | ||
|
None |
None |
None |
| Cash Advance Fee | ||
|
None |
None |
None |
| Foreign Transaction Fee | ||
|
1.00% of each transaction in U.S. dollars |
1.00% of each transaction in U.S. dollars |
None |
| Late Payment Fee | ||
|
Up to $25.00 |
Up to $25.00 |
Up to $25.00 |
| Over-The-Credit Limit Fee | ||
|
None |
None |
None |
| Returned Payment Fee | ||
| Up to $25.00 | Up to $25.00 | Up to $25.00 |
| Statement Copy Fee | ||
|
None |
None |
None |
| Document Copy Fee | ||
|
None |
None |
None |
| PIN Replacement Fee | ||
|
None |
None |
None |
| Card Replacement Fee | ||
|
None |
None |
None |
Visa<sup>®</sup> Platinum |
Visa<sup>®</sup> Platinum Rewards |
Visa<sup>®</sup> Signature Rewards |
|
|---|---|---|---|
| Technology |
EMV chip enabled for additional layer of protection against fraud |
EMV chip enabled for additional layer of protection against fraud |
EMV chip enabled for additional layer of protection against fraud |
| Signature Benefits |
n/a |
n/a |
Complimentary 24-hour Concierge Services, discounts at top retailers and online merchants, Visa Signature Perks |
| Credit line |
Up to $25,000 |
Up to $25,000 |
Up to $25,000 |
| Cardholders |
Single or joint account, authorized users |
Single or joint account, authorized users |
Single or joint account, authorized users |
| Rewards points |
None |
Earn 1 CURewards point for every dollar on all purchases |
Get 10,000 bonus rewards points when you spend $1,500 in retail purchases within the first 90 days of opening your account† Earn 1.25 CURewards points for every dollar spent on all purchases |
| Rewards Options |
None |
Redeem for cash, travel, merchandise or gift cards |
Redeem for cash, travel, merchandise or gift cards |
| Point limits |
n/a |
None |
None |
| Point expiration |
n/a |
5 years |
5 years |
| Extended benefits |
Auto rental insurance |
Travel Accident Insurance up to $50,000 |
Travel Accident Insurance up to $250,000, Emergency assistance service, Warranty management service |
| Set-up & Maintenance Fees | None | None | None |
| Balance Transfer Fee |
None |
None |
None |
| Cash Advance Fee |
None |
None |
None |
| Foreign Transaction Fee |
1.00% of each transaction in U.S. dollars |
1.00% of each transaction in U.S. dollars |
None |
| Late Payment Fee |
Up to $25.00 |
Up to $25.00 |
Up to $25.00 |
| Over-The-Credit Limit Fee |
None |
None |
None |
| Returned Payment Fee | Up to $25.00 | Up to $25.00 | Up to $25.00 |
| Statement Copy Fee |
None |
None |
None |
| Document Copy Fee |
None |
None |
None |
| PIN Replacement Fee |
None |
None |
None |
| Card Replacement Fee |
None |
None |
None |
Credit Card Protection
Set up alerts and rules for how your card can be used so you always know what's happening with your account.
Interest Rate & Fee Information
| Interest Rates & Charges | Platinum | Platinum Rewards | Signature Rewards |
|---|---|---|---|
| Annual percentage rate (APR*) for purchases | Variable APR* between 12.49% - 18.00% | Variable APR* between 13.49% - 18.00% | Variable APR* between 14.49% - 18.00% |
| Annual percentage rate (APR*) for balance transfers and cash advances | Variable APR* between 12.49% - 18.00% | Variable APR* between 13.49% - 18.00% | Variable APR* between 14.49% - 18.00% |
| Rates as Low As | 12.49% | 13.49% | 14.49% |
| Penalty APR and When it Applies | None | None | None |
| Fees | Platinum | Platinum Rewards | Signature Rewards |
|---|---|---|---|
| Set-up & Maintenance Fees | None | None | None |
| Balance Transfer Fee | None | None | None |
| Cash Advance Fee | None | None | None |
| Foreign Transaction Fee | 1.00% of each transaction in U.S. dollars | 1.00% of each transaction in U.S. dollars | None |
| Late Payment Fee | Up to $25.00 | Up to $25.00 | Up to $25.00 |
| Over-The-Credit Limit Fee | None | None | None |
| Returned Payment Fee | Up to $25.00 | Up to $25.00 | Up to $25.00 |
| Statement Copy Fee | None | None | None |
| Document Copy Fee | None | None | None |
| PIN Replacement Fee | None | None | None |
| Card Replacement Fee | None | None | None |
Know Before You Swipe
- CommonWealth One's Visa Credit Cards do not include the following fees:
- Balance Transfer Fee
- Cash Advance Fee
- Over-The-Credit Limit Fee
- Statement Copy Fee
- Document Copy Fee
- PIN Replacement Fee
- Card Replacement Fee
- Foreign Transaction Fees:
- Visa® Platinum: 1.00% of each transaction in U.S. dollars
- Visa® Platinum Rewards: 1.00% of each transaction in U.S. dollars
- Visa® Signature Rewards: None
- Late Payment Fees:
- Visa® Platinum: Up to $25.00
- Visa® Platinum Rewards: Up to $25.00
- Visa® Signature Rewards: Up to $25.00
- Returned Payment Fees:
- Visa® Platinum: Up to $25.00
- Visa® Platinum Rewards: Up to $25.00
- Visa® Signature Rewards: Up to $25.00
If you are charged interest, the charge will be no less than $0.00.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
We use a method called "average daily balance (including new purchases)."
The information about the costs of the card described in this application is accurate as of January 1, 2024. The information may have changed after that date. To find out what may have changed contact the Credit Union.