Hardworking Cards for Hardworking Folks
Good people gather where opportunities are rich. Our range of ACU VISA credit cards lets you make the most of everything that life has to offer. Whether you’re building a family, a military career, or your own business, our cards offer the financing, personal services, and perks you need to succeed.
ACU VISA Benefits
Put the power in your pocket to live your best Northwest life. Credit union credit cards offer better interest rates and better member benefits.
✔
Low Interest Rates
Spend smarter, and save money with our competitive card rates.
✔
No Annual Fees on Personal Cards
You’ll never pay an annual fee to put our credit cards in your wallet.
✔
Online/Mobile Banking & Card App
From the mountains to the Sound — always have access to your money.
✔
Tap to Pay
Enjoy the convenience of contactless payments so you can tap and get on with your day.
 |
ACU Green Rewards Credit CardOur popular credit builder card sets you up for success with cash back on purchases and plenty of benefits. Cash back Rewards of 1.50% No annual fee 15.99% Fixed APR* on new purchases. |
Apply Now |
 |
ACU Platinum VISA Credit CardSave on your everyday spending and make large purchases more affordable with our lowest variable rate card. No annual fees 10.54% – 18.00% APR on new purchases Personalized images on card for only $15 |
Apply Now |
 |
ACU Platinum Rewards VISA Credit CardGet everything you need in a card with a low rate, rewards, and a wide range of benefits. No annual fee 1% cash back** on purchases 11.54% – 18.00% APR on new purchases based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate. Personalized images on card for just $15 |
Apply Now |
 |
ACU Business Credit CardOur premier business card features a low fixed rate, cash back, security and control features, and excellent benefits. Fixed rate of 16.99%APR* $49 annual fee (first year waived) 2.00% cash back on all purchases minus returns Tap to Pay technology Savings Edge Benefits include purchase security and extended protection and travel and emergency assistance. |
Apply Now |
Additional Card Features
Our advanced risk detection ensures your card transactions are secure.
Save money on car rentals. If you’re in a bumper bashing, we’ll help pick up the pieces.
Deployed? Use your ACU card wherever you are without worrying about extra charges.
Benefit from our generous 25-day grace period to avoid card interest charges.
Make online shopping seamless with Visa Checkout, Apple Pay, Samsung Pay, and Google Pay.
Get immediate, cost-free card replacement in case of fraud; $5.00 for lost cards.
See Our Low Credit Card Rates with Your Own Eyes
Like our breathtaking mountain peaks, ACU’s low credit card rates need to be seen to be believed.
VISA Platinum Credit Card
VISA Platinum Rewards Credit Card
VISA Green Rewards Credit Card
Want to know more about our hard-to-beat interest rates? Click below for details.
Apply For an ACU Credit Card in 3 Easy Steps
| Step 1 | Choose Your CardSelect the ACU credit card option that best fits your needs, from low interest rates to rewards, to building your credit. |
| Step 2 | Gather Your DocumentsPull together the personal and financial information you’ll need, including ID, proof of address, and employment details. |
| Step 3 | Apply OnlineVisit the ACU website and complete the online application form for your card. Submit the form and wait for approval! |
★★★★★
“The ACU Staff are courteous, professional and
great at their jobs. It is a pleasure being a
member of this organization.”
-Mack G., Lakewood
Transfer Your Credit Card Balance
Transfer high-interest balances from other financial institutions and save! Consolidate your different card balances into one low payment at a great rate on your ACU account.
Apply Now Learn More
Common Questions About America’s Credit Union Credit Cards
-
How can I access my ACU credit card account online?
-
Yes, you can access your account 24/7 through ACU’s Online Banking and Mobile Banking, as well as manage your card with the ACU Card App.
-
What should I do if my ACU credit card is lost or stolen?
-
Contact ACU immediately for a replacement. Emergency card replacements are free in cases of fraud and cost $5.00 for lost cards.
-
Can I track my rewards and cashback with ACU credit cards?
-
Yes, cash back on your ACU rewards card is calculated monthly and will appear on your VISA statement. You can also track them through online banking.
-
Can I set up automatic payments for my ACU credit card?
-
Yes, you can set up automatic payments through ACU’s Online Banking or Mobile Banking services to ensure you never miss a payment.
-
What ACU credit card transactions qualify for cash back?
-
Whether you flash your ACU Green Rewards, Platinum Rewards VISA, or ACU Business credit card in Olympia, Lakewood, or on base, all new purchases made with your credit cards earn rewards. That money is in your pocket for Wazzu tickets, bargain hunting, steelhead tackle, or getting down and dirty on the trails.
-
What’s the best credit card to build credit in Tacoma?
-
If you’re new to town, lack credit history, or rebuilding your credit score, ACU’s Green Rewards credit card helps you get on track with predictable rates and generous cashback while you build for the future.
-
How do credit card balances work at ACU?
-
Take advantage of our low rates and fees and generous perks by moving your existing card balances to your ACU credit card. It’s easy with our low balance transfer fees and online and mobile banking services.
-
Why is a card from a credit union better than one from a big commercial bank?
-
Credit unions like ACU are not-for-profit cooperatives owned by their members. With no outside investors looking for dividends, we’re able to put more cash back in your pocket through lower fees and better rates. What does that mean for you? Some of the best offers for credit cards in Tacoma — or anywhere else!
-
How does ACU support military personnel stationed at or deploying through Joint Base Lewis-McChord?
-
You’re a big part of our area and a big part of why we’re here. We’re honored to support our neighbors in the military with a range of services including VISA credit cards that are acceptable worldwide, no foreign transaction fees, and 24-hour international travel and emergency assistance.
Need Financing to Unlock the Future? We Got You.
Smart borrowing today helps build a better future. Need money for an important purchase, milestone event, college degree, or home renovation? We’re here for all that because we’re here for you.
Personal Loans
For the things you need to get ahead, and to celebrate, in life Perfect for repairs, education, special projects, and vacations.
| Learn More |
Auto Loans
From Tacoma to Olympia, you need financing and a good set of wheels to get you around, and at ACU we deliver on auto loans.
| Learn More |
Home Equity Loans
Tap into the value you already own in your home for upgrades, renovations, and almost anything else.
| Learn More |
View ACU Card terms and conditions here.
*APR=Annual Percentage Rate. Your APR for purchases is 10.54% – 18.00% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. See full Visa disclosure or Business Visa disclosure for more information.
** Cardholders will earn a one percent (1%) cash reward for every one dollar ($1.00) in net purchases (purchases minus returns/credits) made on your Credit Card Account, rounded to the nearest one cent ($0.01). You do not earn Cash Rewards on cash advances of any kind, balance transfers, any interest or fees, including but not limited to returned payment fees, and late fees. Your Cash Reward balance will be calculated monthly and a rolling total will appear on your Visa statement. Your account must be open and in good standing (not canceled or terminated by either party, not delinquent or otherwise not available to use for charges) at the time of redemption.
America’s Credit Union NMLS 449181