Platinum & Classic card options

Visa Platinum is available to qualified members; others may be eligible for a Visa Classic.

Visa Platinum cardholders earn cash-back rewards¹ on purchases, plus save money multiple ways:

• No annual fee
• No program fee
• No transaction fee for purchases
• No balance transfer fee
• No cash advance fee
• No over-the-limit fee
• No penalty interest rate for being late with a payment
• 10.90% APR^2, applies to purchases, balance transfers and cash advances (many other card issuers charge higher rates for balance transfers and cash advances than purchases)
• 25-day interest-grace period on purchases
• Visa’s Zero Liability Policy (you won’t be held responsible for unauthorized transactions made with your card)

Classic card holders enjoy all of these same benefits except for cash-back rewards, with rates ranging from 10.90% APR² to 19.90% APR².

Members age 16 or 17 can get a Visa Classic card, with a parent as a co-signer. This helps them establish credit and demonstrate responsible use by making payments on time. Proof of job required for teen. This card features a low annual percentage rate of 11.90% and a low credit limit of $250.

An individual can get a credit card of their own starting at age 18, with a higher credit limit ($500) based on proof of income. APR is 12.90%.

No matter what rate you receive from us, it will be far less than what department stores and megabanks charge on their credit cards (as high as 30.00% APR). If you check their fees, you'll find they're exhorbitant, too. For example: 1) A balance transfer fee of 3% to 5% of the amount of each transfer is commonly charged; and 2) On cash advances, a fee $10 or 5% of the amount of each transaction, whichever is greater.

Apply Today  View Rates

¹Once 1,500 points are reached, cardholder can redeem their points at their convenience by having it deposited into their Century savings or checking account or a credit applied to their outstanding card balance. To redeem rewards points, call us at (636) 467-5037 or access the Extra Awards site through your online banking account with us.

²APR= Annual Percentage Rate, based on member creditworthiness. Fixed rate. Credit score of 680 or higher required for a Platinum card. Credit limits differ and are based on the member's debt-to-income ratio. The APR on Visa Classic cards secured by money on deposit with the credit union is 14.90%.

Download this document for the complete Visa credit card agreement and disclosure information.

To block a lost or stolen card after hours, please call 1-800-880-0640.