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VISA® Credit Cards

Cyprus Credit Union Credit Cards. Get the cash you need, fast.

Our VISA® credit cards are designed to serve your unique needs. Whether you're looking for a low interest rate credit card or one with a few added perks, a Cyprus VISA® card will help you get the cash you need from an institution you can trust.


  • Start Building Credit (no adverse credit history and must have a job)
  • No Annual Fee
  • No Balance Transfer Fee
  • Variable RateApply Now
  • Learn How to Use a Credit Card While Having a Co-signer
  • No Annual Fee
  • No Balance Transfer Fee
  • Variable RateApply Now

Other Visa Cards and Services

VISA® Platinum Awards

Get the card that gives back! Additional benefits available from VISA® with the Platinum Awards card. Every dollar you charge earns you one point towards travel, gift certificates or cash back rewards. Apply today to start earning points. Click here to browse Rewards! to see what you can use your points for.

  • Additional Benefits:
  • $1,000,000 travel accident insurance
  • Redeem your points for travel, gift certificates or cash rewards*

Apply now Terms Rates 

*Platinum Awards points expire after 48 months 

VISA® Platinum

Designed with you in mind, our VISA® Platinum card offers you security and convenience, with a great low rate and no hidden fees. Accepted at ATMs and merchants worldwide.

Apply now Terms Rates


VISA® Platinum Starter

Our VISA Platinum Starter will give you the convenience of using a VISA card while helping you establish a positive credit history along the way.

Here's what you will need:

  • Your last 2 paystubs from your current job
  • Must be age 18 or older

Teen VISA®

A Cyprus Credit Union Teen VISA® is a great way for teens under 18 to learn the value and power of credit.

Here's how:

  • Be a Cyprus Credit Union member (Click here to found out how to Join)
  • Apply with a qualified comaker (usually a parent or guardian age 21 or older)
  • Use your Teen Visa Card responsibly


  • Low rates
  • Free Mobile Banking for Android and iPhones
  • Free Text Banking
  • Free account alerts by text or email
  • Free ATMs, more than 28,000 nationwide
  • 25-day grace period on purchases
  • Verified by Visa protection (Link to Verified page)
  • Choose a Platinum Awards card and earn rewards on every purchase

To apply:

Paying off a $300 VISA Balance*:
Payment Pmts Final Pmt Total Interest
$25 12 $15.09 $15.09
$30 10 $12.66 $12.66
$35 8 $30.94 $10.94
$40 7 $29.67 $ 9.67
$45 6 $38.67 $ 8.67
$50 6 $ 7.89 $ 7.89
*based on 8.75% APR | Teen VISA Credit Card Agreement

Shares Secured VISA®

Need to build or rebuild your credit and don't want to pay the high interest rate? We have the VISA ® product you are looking for. Shares Secured VISAs receive the lowest VISA rate we offer. The amount you deposit into a share account determines your credit limit up to $5,000.

VISA® Gift Cards….The Perfect Gift, Every Time

VISA® Gift Cards are available at any Cyprus Credit Union branch for just $3.00.

  • Give your family, friends, and co-workers the gift of choice.
  • Perfect for all occasions. You decide the amount, and let them get what they want
  • Welcome anywhere VISA® debit cards are accepted, including retail stores and online merchants
  • Available in amounts from $25 to $500
  • Provides peace of mind- unlike cash, it can be replaced if lost or stolen 

VISA® Credit Card Terms

Interest Rates and Interest Charges
Annual Percentage Rate
Platinum: 8.24% variable*
Platinum Awards: 9.74% variable*
Introductory Rate: Get 0% APR on all purchases and balance transfers for the first 6 months when you open a new Cyprus Visa Platinum or Platinum Awards Credit Card. You will also receive 10,000 bonus award points when you spend $1,000 in the first 90 days after opening your new Platinum Awards card.If you already have a Cyprus Platinum Card you can upgrade to a Platinum Awards card and get 10,000 bonus rewards points when you spend $1,000 in the first 90 days.(0% balance transfer only applies on transfers from other financial institutions).
Grace Period: How to avoid paying interest on Purchases Your due date is the 25th day of each month. We will not charge any interest on the portion of the purchases balances that you pay by the due date of each month
For Credit Card tips from the CFPB To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: more.
Annual Fee
Transaction Fee


Minimum Finance Charge
Average Daily Balance Method (including new purchases)
Cash Advance Fee
1.5% of advance
Late Payment Fee A late charge of 5% of the payment or $25 whichever is greater, shall be charged on any payment not made within 10 days after its due date.
Foreign Transactions Visa has the right to assess a foreign conversion fee. This fee could be up to 1% of the transaction amount.
Other Charges
$15.00 lost/stolen card replacement fee

*VISA® Loan Rate: Based on the Wall Street Journal prime lending rate on the last day of each month, the maximum interest rate over the life of the loan is 18.00%. View Prime Rate Index
VISA® Credit Card/Debit Card Agreement

Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment and credit history. Verification of income may be required.

Activate Your Card

Click here to activate a Cyprus VISA® Card

To activate your Cyprus VISA® Card by phone call 866.642.0450.
Toll free 800.929.7787 or 801.260.7675.

To activate your card by phone, please call from your home phone listed on your Cyprus Credit Union account.


Click here to check your points and shop for merchandise and travel rewards online. Have your credit card number ready. Our Rewards! program has a new secure site. For first time users you will need to click the register button.


Lost or Stolen VISA

To Report a Lost or Stolen Card During Business Hours
Monday-Friday (8:00 am - 7:00 pm) Saturday (9:00 a.m. - 3:00 p.m.)
Call Cyprus Credit Union
(801) 260-7600
(800) 929-7787

After Business Hours
(801) 260-7675

Declined VISA Transactions

To find out why your Cyprus VISA Debit or Credit Card transaction has been declined call:

During business hours
Monday-Friday (8:30 am - 5:30 pm)
Call Cyprus Credit Union
(801) 260-7600 option 0
(800) 929-7787

After Business Hours
888.526.0404 (Available 24 hours)


Verified by VISA®

Click here to sign up! Verified by VISA® protects your Cyprus Credit Union VISA® card with a personal password, giving you the reassurance that only you can use your VISA® card online. VISA® always protects you against unauthorized purchases. It’s quick, easy and works with your existing Cyprus Credit Union VISA® Debit or VISA® Credit cards.
Here's how it works
Once you activate Verified by VISA®:

  1. At participating online stores, your card will be automatically recognized as protected by Verified by VISA®.
  2. Your password will be verified.
  3. The transaction will be completed as usual.

Important: Please note, to register your VISA® card for this service you must enter the primary account holder’s information, not the joint card holder.
Click here to create your own password today!

Features and Benefits Cyprus Credit Union VISA® Credit Cards
No annual fee 25-day grace period
No transaction fee Billing dispute resolution
No balance transfer fee Free verified by VISA® fraud protection
No minimum finance charge 24-hour online account access
Rate never increases as a penalty Easy access cash advances from your card
Auto rental insurance Choice of card designs