Visa Credit Cards

Our credit card is the perfect companion when you're on the go. Or when you're just letting go.

A Visa credit card isn't just a way to pay for things. It's a way to get more "go" in your life. Use it to go shopping at the mall, online, for fine wine or for fishing line. To go to the nightclub, the day spa or the movies. To go on vacation in Barcelona or right here in North Dakota. Or to go get or go do almost anything else you can imagine.

Rates & Fees Apply

The Capital Credit Union Visa credit card will quickly become the go-to tool in your wallet. It saves you money with a low interest rate and no annual fees. It also makes it easy for you to transfer balances from other cards, access cash and shop online.

All new credit card accounts get a one-time $150 cash bonus²

if you spend $5,000 on purchases within the first 3 months from account opening.

Credit Card Benefits

No annual fee
25-day grace period on new purchases
Fee-free balance transfers
Accepted at more than 30 million locations worldwide
Cash access at more than 2 million ATMs
Visa liability protection safeguards against unauthorized charges if your card is lost or stolen
Local service when you call 255.0042 or 1.800.735.6922
Variable rate based on your credit history
Instantly issued at our Main Office, North, Northwest, South, Sunrise, Mandan, Hazen, Fargo 13th Ave. and Fargo Veterans Blvd. branches
Visa Checkout available for easier online payments
Falcon Fraud service will notify you when there is suspicious activity on your Visa card

Rewards Credit Card Perks

Started Sept. 1: Earn 1.5% cash back¹ on everyday purchases, everyday
Ended Aug. 31: Earn rewards and redeem on our rewards website (existing points must be redeemed by Dec. 31, 2022)

Already Have A Capital Credit Union Visa Credit Card?

If your card is lost or stolen, report it immediately.
Want to request an increased credit limit? Fill out this short application.

Fee Schedule

Click here to view our current fee schedule.

Should You Notify Us When Traveling?

Thanks to improvements in fraud detection technology and the added security of chipped and contactless cards, travel notifications for your Capital Credit Union debit and credit cards are no longer necessary – even if you’re traveling abroad. Just make sure the phone numbers and email address associated with your account are up to date. That way, we can quickly and easily contact you if there are any issues with your card during your travels. Click here for more details.

Disclosures:

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). Variable Rates: The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law. Any increase will take the form of more payments of the same amount. Other Fees: In addition to the fees disclosed above, the following fees may be imposed. Minimum Payment Requirement: 2% of the outstanding balance (3% for share-secured Visa cards), subject to a minimum of $20.

¹Earn 1.5% back for every $1.00 spent on net purchases. Net purchases do not include returns, balance transfers, refunds/reversals, fees, ATM transactions, or cash advances. Cash back earned will be deposited as money into the member’s S51 (CU Bonus) account. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. For existing cardholders switching to a different Capital Credit Union credit card, the new program will start the first day of the billing period following the date of the switch. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Additional terms and conditions may apply and may be subject to change at any time.

²Cardmembers will earn $150 if $5,000 or more net purchases are made on a new Capital Credit Union rewards or non-rewards credit card account within the first 90 days from account opening. Net purchases do not include returns, balance transfers, refunds/reversals, fees, ATM transactions, or cash advances. Account must be opened within the promotional period, which begins on 1/1/23 and ends on 12/31/23. Purchases toward $5,000 must be posted within 90 days from account opening to qualify. If all the required terms and conditions are met to earn the cash back, the $150 will be deposited into the member’s S51 (CU Bonus) account within 1-2 billing cycles following the completion of the 90-day period. The member’s account must be open and in good standing when cash back is deposited.

Additional terms and conditions may apply, and programs, rates, terms and conditions are subject to change without notice.