VISA Credit Cards

Visa Platinum and Visa Classic Cards 
 Join the Celebration...Make plans to obtain the most exciting VISA cards in town. American Partners FCU proudly announces our VISA Platinum and VISA Classic Card. With two cards to choose from, members can now select the card that best suits their individual needs.

The APFCU VISA Platinum Card…The card that offers you features not available with most other credit cards. This exclusive card has a low interest rate of 9.9% APR*. This 9.9% APR is not an introductory rate! In addition to this low interest rate, the Platinum Card offers these benefits as well:
 

25 Day Grace Period on all new purchases

No Annual Fee or No Balance Transfer Fee

Credit Limits - $7,500 and above

Only $1.00 Fee for Cash Advances

Low-cost MEMBER'S CHOICE™ payment protection plans



Transfer your Balances!
Get the true savings you've been looking for with this low rate. Consolidate your entire existing debt to your new VISA Platinum and enjoy significant savings. Simply come by and fill out a Special Transfer Request to transfer balances from bank, gasoline and department store credit cards, auto loans, student loans and more. We'll do the rest. There's no fee for this service, and your transferred balances receive the same 9.9% rate.

VISA PLATINUM CARD BENEFITS 

Auto Rental Collision Damage Waiver
Collision and theft coverage on auto rentals. To activate coverage, complete the entire rental transaction with your eligible Visa card and decline the collision damage waiver (CDW) coverage if offered by the rental company. If you have any questions regarding a specific vehicle, call the Benefit Administrator at 1-800-VISA-911, or if outside the United States at one of our toll-free numbers. Quick, easy, and accurate filing when you file claims online at the Visa Auto Rental CDW Claim Center. You must file a claim within 45 days of the occurrence.This insurance will only cover what your primary insurance will not.There are limitiations on the types of vehicles covered.
Baggage Delay Insurance
Baggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items needed by the cardholder while on a covered trip.
Cell Phone Protection
Provides cardholders supplemental reimbursement for damage or theft of an eligible cell phone. Cardholders must charge their monthly cell phone bill to their covered card. In addition to cell phones, certain types of personal digital assistants (PDA’s) that are also cell phones are eligible when terms and conditions of the benefit are met. Only cell phones purchased by the eligible cardholder are covered. Eligible cell phones are limited to the primary line and up to the first two secondary, additional, or supplemental lines as listed on the cardholder’s cellular provider monthly billing statement for the billing cycle preceding the month in which the theft or damage occurred.
Common Carrier Travel Accident Insurance
Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.
 Purchase Security and Extended Protection (All Risk)
Purchase Security will replace, repair, or reimburse covered cardholders up to a maximum of $10,000 in the event of theft or damage.  Extended Protection doubles the time period of the original manufacturer's written U.S. repair warranty up to one full year on warranties of three years or less and up to a maximum of $10,000 per claim.
Return Protection
Offers reimbursement to cardholders on items they purchase. If a cardholder makes an eligible purchase with a covered card and is dissatisfied with that item for any reason (within 90 days from the date of purchase) Return Protection will reimburse the cardholder up to $250 per item and up to $1,000 annually per account.
Roadside Dispatch
Roadside Dispatch will arrange to dispatch a reliable tow operator or locksmith to cardholders. All rates are pre-negotiated and conveniently billed to the covered cardholder’s card. For $59.95 (restrictions apply) per service call, the program provides towing (up to five miles included), tire changing (must have good, inflated spare), jump starting (battery boost), lockout service, fuel delivery, and winching (within 100 feet of paved or county maintained road only).  Also provides cardholders with an optional, personalized Trip Routing Package for $5.95 which includes easy-to-read, accurate traveling instructions, and maps. Cardholders can choose a direct route plan or a scenic route that highlights points of interest and road information along their route.
 Year-End Summary of Charges
Take the hassle out of year-end bookkeeping. All card purchases are conveniently itemized and listed by purchase type.
Travel and Emergency Services (TEAS) 
Encountering an emergency situation away from home can be a frightening experience. That's why we’ve created a 24-hour assistance center for covered cardholders. TEAS covers cardholders and their spouses and dependent children 22 years of age or under who are traveling with them. TEAS is available by calling a dedicated toll-free number in the United States, or through a collect telephone number when traveling abroad, 24 hours a day, 7 days a week. This program provides assistance only. Cardholders are responsible for the cost of any services received.
The following services are offered:
Pre-Trip Assistance
Provides information about health precautions, weather reports, currency exchange rates, visas, and immunizations.
Medical Referral Assistance
Provides medical referral, monitoring, and follow-up.
Emergency Transportation Assistance
Arranges for transportation under medical supervision.
Emergency Message Service
Relays emergency messages for travelers and is available 24 hours a day.
Prescription Assistance and Valuable Document Delivery Arrangements
Accommodates unexpected prescription needs or transport critical documents, which may have been left at home or elsewhere.
Legal Referral Assistance
Arranges contact with English-speaking attorneys, U.S. embassies and consulates, bail-bond assistance, cash advances, and follow-up assistance.
Emergency Ticket Replacement
Arranges for the replacement and delivery of new tickets, and assists with ticket reimbursement procedures.
Lost Luggage Locator Service
Arranges cash advances required due to lost luggage, and assistance with obtaining applicable insurance payments when the carrier is unable to locate lost items.
Emergency Translation Service
Provides telephone assistance in all major languages and helps find local interpreters, if available.
TEAS is provided on a best-efforts basis, and may not be available due to problems of time, distance, or location. The third-party service provider and their contractors are not responsible for the availability, cost, use, or results of any medical, legal, or transportation service. TEAS provides assistance and referral only; cardholders are responsible for the cost of any actual medical, legal, cash advance, or other service(s) used.
Visa Emergency Cardholder Benefits include:
Emergency Card Replacement
This service provides emergency card replacements to Visa cardholders who are in need of a replacement card (for example if their Visa card has been lost or stolen) and are traveling domestically or internationally.
Emergency Cash Disbursement
This service provides emergency cash disbursements, usually within hours, to Visa cardholders who are in need of cash (for example if their Visa card has been lost or stolen) and are traveling domestically or internationally.
Lost and Stolen Card Reporting
Visa Customer Care Services (VCCS) receives calls from cardholders or third parties when a Visa card has been lost, stolen, or is subject to fraud. VCCS collects service requests of lost or stolen cards, blocks accounts on VisaNet when a full card number is available, and immediately notifies the issuer of all service requests.
Cardholder Inquiry Service (CIS)
Cardholder Inquiry Service (CIS) is easily accessible to Visa cardholders from anywhere in the world, any time of the day, automatically extending the reach of an issuer's own customer service. Issuers can be assured that their cardholders will receive the assistance they need.
 
Now is the Time to get your Card!
Stop by your credit union or simply give us a call at (336) 349-2729 or (336) 855-3553 to begin saving now. Don't wait another day before obtaining the best VISA card in town. The new VISA Platinum Card offered by American Partners Federal Credit Union...Now there's more than one game in town!

Visa Classic Credit Card
The APFCU VISA Classic Card is the card for those individuals looking for a low-interest rate, without all the “extras” offered with our VISA Platinum. This card currently has a low interest rate of 11.9% APR*. The Classic Card offers benefits as well:
 
25 Day Grace Period on all new purchases

No Annual Fee or No Balance Transfer Fee

Credit Limits - $7,499 and below

Only $1.00 Fee for Cash Advances

Low-cost MEMBER'S CHOICE™ payment protection plans


Transfer your Balances!
Get the true savings you've been looking for with this low rate. Consolidate your entire existing debt to your new VISA Classic Card and enjoy significant savings. Simply come by and fill out a Special Transfer Request to transfer balances from bank, gasoline and department store credit cards, auto loans, student loans and more. We'll do the rest. There's no fee for this service, and your transferred balances receive the same 11.9% rate.

Visa Classic Card Benefits:   Ask an Account Specialist for more details.

  • Common Carrier Travel Accident Insurance - $100,000.00
  • Baggage Delay Insurance
  • Auto Rental CDW
  • Visa Emergency Cardholder Benefits

Be Fully Protected!
Low-cost MEMBER'S CHOICE™ payment protection plans are also available, providing superior coverage at some of the best rates available through financial institutions today. Ask your Account Specialist about this valuable benefit available as a member of American Partners FCU.

Now is the Time to get your Card!
Stop by your credit union or simply give us a call at (336) 349-2729 or (336) 855-3553 to begin saving now. Don't wait another day before obtaining your APFCU Classic Card offering the low rate of 11.9%. Make plans to take advantage of this excellent low rate now!
 

To Access Your Personal VISA Credit Card Account
Information Is Now Available To You 24 Hours A Day Online.
Visit Our Link To View Your Account Information From
The Privacy Of Your Own Personal Computer.

*Annual Percentage Rate

VISA Credit Card Disclosures


Lost Cards

If your card is lost or stolen, you should immediately report this to APFCU by calling the following phone numbers:

For lost VISA Credit Cards, our lost or stolen hotline # is 1-800-442-4757.

For lost ATM/Debit Cards, our lost or stolen hotline # is 1-888-241-2510 within the United States and 1-909-941-1398 outside the U.S.

For emergency assistance call 1-800-VISA-911. Outside U.S.A. call collect (410) 581-9994.

If you have automatic bill payments you should contact the merchants to stop these payments.