• Visa Classic

    The APFCU Classic Card offers a low-interest rate of only 11.9% APR*.

    APPLY TODAY

    Your Credit Card will have the following features: 

    • EMV Chip Technology: Your credit card will have an embedded chip that will help increase security and reduce fraud. The EMV chip will be in addition to the standard magnetic strip.

    • 24/7 Cardholder Service: Call 1-888-999-2339 for balance inquiries, payment information, transaction history, statement requests or to dispute a charge.

    • Real-time credit card information, including transactions, pending activity, payment information and custom email alerts, plus sign up for electronic statements when you log into your account online at apfcu.com.

    • Contactless Payment Technology: Your credit card has the ability to make payments without contact. Simply hold your card close to the payment terminal or card reader and your payment will be authorized without any physical touch or card insertion. 

    • Premium Text Notifications: Powered by the EnFact Fraud Monitoring system, we will notify you immediately if a suspicious transaction is detected on your card by texting your cell phone. 

    FAQs:

    Will I have a new PIN number so I can access cash from my credit card?

    • You can select your unique PIN by calling the number on the activation label and choosing the PIN option.

    What is EMV?

    • EMV stands for Europay, Mastercard® and Visa®. EMV chip technology is becoming the global standard for credit card and debit card payments. This smart chip technology features credit cards with embedded chips that that will help increase security and reduce fraud. This standard has many names worldwide and may also be referred to as: “chip and signature.”

    Will all merchants be able to accept my EMV (chip) credit card?

    • Yes. Your card will be accepted at all merchant locations.
  • Make A Credit Card Payment
    To make a Visa Credit Card payment, please click here. If you are having difficulties reaching this site, we recommend using the Chrome browser.

    To register, you must set up your new card account and create a username & password. You will then be prompted to enter security questions.

    Finally, you must accept the "Terms and Conditions."  To view these before proceeding, you must click the words "Terms and Conditions".

    Then you are all set to start making online payments or view transaction history! 
  • Visa Platinum

    The APFCU Visa Platinum Card offers additional features not available with many other cards. This exclusive card comes with a low 9.9% APR* and these amazing perks:**​

    APPLY TODAY

    Your New Credit Card will have the following features: 

    • EMV Chip Technology: Your new credit card will have an embedded-chip that will help increase security and reduce fraud. The EMV chip will be in addition to the standard magnetic strip.

    • 24/7 Cardholder Service: Call 1-888-999-2339 for balance inquiries, payment information,
      transaction history, statement requests or to dispute a charge.

    • Real-time credit card information, including transactions, pending activity, payment information and
      custom email alerts, plus sign up for electronic statements when you log into your account online at
      apfcu.com.

    • Contactless Payment Technology: Your new credit card has the ability to make payments without contact.
      Simply hold your card close to the payment terminal or card reader and your payment will be authorized
      without any physical touch or card insertion. This feature will be available soon! Be on the lookout for this
      important and convenient update.

    • Premium Text Notifications: Powered by the EnFact Fraud Monitoring system, we will notify you immediately
      if a suspicious transaction is detected on your card by texting your cell phone. 

    Rewards Program:

    UChoose Rewards® will allow you to redeem points on your credit card purchases to use toward shopping, travel, event tickets, gift cards and more. 
     

    Some important information about the transition of the rewards program:

    • To register your card or to monitor and redeem your UChoose Rewards® points, visit www.UChooseRewards.com.

    FAQs

    Will I have a new PIN number so I can access cash from my credit card?

    • You can select your unique PIN by calling the number on the activation label and choosing the PIN option.

    What is EMV?

    • EMV stands for Europay, Mastercard® and Visa®. EMV chip technology is becoming the global standard for credit card and debit card payments. This smart chip technology features credit cards with embedded chips that that will help increase security and reduce fraud. This standard has many names worldwide and may also be referred to as: “chip and signature.”

    Will all merchants be able to accept my EMV (chip) credit card?

    • Yes. Your card will be accepted at all merchant locations.

    What is UChoose Rewards®?

    • UChoose Rewards® is a program that earns you points for using your American Partners FCU credit card. All American Partners FCU Visa® credit cards with rewards are automatically enrolled in the program. You can redeem your points toward anything from our huge online rewards catalog found at www.UChooseRewards.com. 

    Do I need to register my credit card before I can start earning points?

    • No, you will start earning points the first time you make a transaction with your new credit card; however, you will need to register your card before you will be able to redeem your points. 
    • To register your card, visit www.UChooseRewards.com and click the Register link. On the right side, you will see “New to UChoose Rewards®?” with a Register link. Click Register, and then enter your card number. Once your card is authenticated, it will ask to establish your username and password. Follow the instructions as provided.

    How do I start earning points?

    • Every time you make a purchase with your card, you’ll earn 1 point for every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers.

    Where can I earn points?

    • You earn points everywhere your Visa® credit card is accepted. Participating retailers offer additional reward points for purchases made at their stores or online. A list of participating retailers can be found at www.UChooseRewards.com.

    Where can I view my point activity?

    • You can access the history of your point activity through www.UChooseRewards.com.

    When can I redeem points?

    • It can take up to 40 days for your points to be credited to your account. You must first accumulate 1,500 points before you can redeem them. Your points are available to view on www.UChooseRewards.com or the mobile app. Here you can keep track of the points you’ve earned, and then shop the online rewards catalog when you’re ready to redeem. 
    • A Wish List Tracker is also available to notify you when you’ve earned enough points to redeem a specific item.

    How much does it cost to participate?

    • There’s no cost to participate. Membership in UChoose Rewards® is free as part of your American Partners FCU credit card plan. Visit www.UChooseRewards.com to start monitoring your points and browsing our online catalog.