VISA® Credit Cards
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
A Cyprus Credit Union Teen VISA® is a great way for teens under 18 to learn the value and power of credit.
- 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
Paying off a $300 VISA Balance*:
|*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
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®:
- At participating online stores, your card will be automatically recognized as protected by Verified by VISA®.
- Your password will be verified.
- 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!
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.
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
After Business Hours
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
After Business Hours
(801) 260-7675 (Available 24 hours)
Take charge of your credit, and debit cards with Card Control. You now have the ability to turn your Visa cards on & off and set restrictions for your card. You can also set alerts that will notify you immediately for all card activity, so you’ll always be in control. Download the app on your smartphone to get started.
|Features and Benefits of 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
|$1,000,000 travel accident insurance for Platinum Awards Cards
VISA® Credit Card Terms
|Interest Rates and Interest Charges
|Annual Percentage Rate
| Platinum: 8.74% variable*
Platinum Awards: 10.24% variable*
||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: http://www.consumerfinance.gov/learn more.
|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.
||Visa has the right to assess a foreign conversion fee. This fee could be up to 1% of the transaction amount.
$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.