Credit cards

Whether you’re looking for rewards, cash back, or a tool to build credit, tap into the possibilities with a Numerica Visa®.
Hero Personal Numerica

VISA PLATINUM

For card-seekers who prioritize rewards

Use points for perks

Cash in Platinum rewards like travel, gift cards, and merchandise.

Earn without limits

Get 1 point for every $1 spent, with no caps and no annual fee.* 

Extra bennies 

From extended warranties to roadside assistance, Platinum benefits abound. 

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Terms and conditions

Tap to pay technology
Yes
Visa protection
Yes
Roadside dispatch
Yes
Built-in identity theft protection
No
Cell phone protection
Yes
Travel cancellation/interruption coverage
Yes
Auto rental collision damage waiver
No
Foreign transaction fees*
2% of U.S. dollar amount
Extended warranty protection
Yes
Annual fee
No

VISA LUNA

For card-seekers who prioritize cash back

1.5% cash back

Get money back on every purchase, every day. 

Red-carpet treatment

Receive VIP assistance and elite perks, all tied to your local credit union account. 

All the extras

With Luna, you receive our most comprehensive credit card benefit package. 

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Terms and conditions

Tap to pay technology
Yes
Visa protection
Yes
Roadside dispatch
Yes
Built-in identity theft protection
Yes
Cell phone protection
Yes
Travel cancellation/interruption coverage
Yes
Auto rental collision damage waiver
Yes
Foreign transaction fees*
None
Extended warranty protection
Yes
Annual fee*
$29, may be waived

SECURED VISA PLATINUM

For members looking to establish or rebuild credit

A tool for building

May improve credit when used responsibly. 

Tied to savings account

Your credit limit corresponds to funds you’ve already set aside.

Everyday convenience

Use anywhere Visa cards are accepted. Plus, enjoy Platinum benefits.

VISIT A BRANCH

Terms and conditions

Tap to pay technology
Yes
Visa protection
Yes
Roadside dispatch
Yes
Built-in identity theft protection
No
Cell phone protection
Yes
Travel cancellation/interruption coverage
Yes
Auto rental collision damage waiver
No
Foreign transaction fees*
2% of U.S. dollar amount
Extended warranty protection
Yes
Annual fee
No

What to look for in a credit card

LEARN MORE

FREQUENTLY
ASKED QUESTIONS

WHEN DO CREDIT CARDS CHARGE INTEREST?

Each month, all of your credit card purchases are gathered into a statement, and payment is due. If you pay this balance in full by the due date on your credit card statement, no interest is due.

If you don’t pay the entire balance you charged or you have unpaid purchases from a previous month, the remaining balance accrues interest at the rate specified in your card agreement.

If you use your credit card for a cash advance, that may be handled differently. Cash advances may accrue interest immediately. 

WHAT’S THE DIFFERENCE BETWEEN A CREDIT CARD AND A DEBIT CARD?

A credit card lets you make purchases using a credit limit. This is an approved amount of money your financial institution has made available for you to borrow. A debit card, on the other hand, is connected to your checking or savings account. When you use your debit card, you take money directly from that account to make a purchase. 

DOES NUMERICA OFFER PROGRAMS TO HELP ME BUILD MY CREDIT?

We offer several resources to help you understand and improve your credit score. In addition to financial education workshops, we partner with GreenPath Financial Wellness to connect our members with free, personalized guidance from certified financial counselors.

All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change. 

*

See Numerica consumer credit card terms and conditions

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