Credit Cards
Make the Switch to a Freedom Visa® Credit Card... featuring contactless tap & go technology.
Find your Perfect MATCH
Discover the credit card that empowers your financial goals and fits seamlessly into your life.—whether it’s earning rewards, building credit, or enjoying exclusive perks.
Choose with confidence, as your perfect credit card awaits to unlock a world of financial possibilities.
Contactless 
EMV Chip 
Visa Signature®
Best if you want ELITE REWARDS & SERVICES
- 4X Points on Streaming (Video, Music, eBooks)
- 3X Points on Commuting (Gas, EV Charging, Ride Shares)
- 2X Points on Food (Dining, Delivery & Groceries)
- 1.5X Points on Everything Else
Get 10,000 bonus points when you spend $2,000 in the first 90 days.
Learn more about CURewards.3
Featuring 24/7 Concierge Service & a Suite of Premium Protections5: Travel and Emergency Assistance Services, Cellular Telephone Protection, Ride Share Protection, Roadside Dispatch, Purchase Security
YOU ALSO GET :
- No annual fee – No Foreign Transaction Fee4
- Same APR for balance transfers, purchases, or cash advances2
- A Suite of premium signature services and protections: See Freedom’s Visa Signature® Guide to Benefits
Other fees may be applicable with use such as a Balance Transfer Fee or Cash Advance Fee.4
13.24% – 18.00% APR*
0% INTRO APR1
FOR 12 MONTHS
On purchases and balances transfers made in the first 90 days.2
Contactless
EMV Chip
Platinum Rewards Visa
Best if you want REWARDS
With every qualifying purchase, you earn CURewards points:
1.5X points on every dollar spent – no restrictions
Redeemable for CASH BACK3, and on a wide variety of premium merchandise, travel discounts, or gift certificates. You choose!
BONUS OFFER: Get 1,000 bonus points when you spend $500 in the first 90 days.3
YOU ALSO GET:
- No annual fee
- Same APR for balance transfers, purchases, or cash advances2
Other fees may be applicable with use such as a Balance Transfer Fee, Cash Advance Fee, or Foreign Transaction Fee.4
12.74% – 18.00% APR*
0% INTRO APR1
FOR 6 MONTHS
On purchases and balances transfers made in the first 90 days.2
Contactless
EMV Chip
Platinum Visa
Best if you want A LOW RATE
Offers a competitive, low APR, and all the great convenience of a Platinum card!
- Competitive low variable APR
- No annual fee
- Same APR for balance transfers, purchases, or cash advances2
Other fees may be applicable with use such as a Balance Transfer Fee, Cash Advance Fee, or Foreign Transaction Fee.4
11.24% – 18.00% APR*
0% INTRO APR1
FOR 6 MONTHS
On purchases and balances transfers made in the first 90 days.2
Contactless
EMV Chip
Platinum Share-Secured Visa
Best if you want to Build/Rebuild Credit
A great tool to help members establish or rebuild a positive credit history.
- Borrow against a balance that you provide upon enrolling
- Competitive low variable APR
- No annual fee
- Same APR for balance transfers, purchases, or cash advances2
Other fees may be applicable with use such as a Balance Transfer Fee, Cash Advance Fee, or Foreign Transaction Fee.4
7.49% APR*
Contactless
EMV Chip
Educator Visa
Best if you want School Supplies!
The Educator Visa credit card is intended to lessen the burden of school-related purchases for educators and school support staff in Harford and Baltimore County.
- $1,000 credit line
- Annual percentage rate (APR) equal to the rate of prime
- Avoid paying an APR on those expenses that is double or triple the rate of prime, if not higher
- No annual fee
- Cardholders can organize all their school-related purchases on one card
Applicants must also qualify as a Golden Apple Member (employed by a Baltimore City, Baltimore County, Carroll County, or Harford County school).
Prime APR*
Currently 6.75% APR
EVERY CARD INCLUDES
All Platinum card options come with these premium benefits.
-
Roadside Assistance
Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier with Roadside Dispatch®.
-
Safety Online
Your Freedom Visa Credit Card comes layered with extra protection when making purchases online with Visa Secure.
-
Safety In-Person
EMV Chips and Contactless Tap & Go Technology in every Freedom card makes every transaction safe and super easy!
Important Details and Disclosures
ALL ABOUT BALANCE TRANSFERS
Balance transfers can be a huge relief because they allow you to consolidate high-interest debt onto a credit card with a lower interest rate. By doing so, you can potentially save money on interest payments and pay off your debt more quickly. It also simplifies your finances by combining multiple payments into one, making it easier to manage.
- Pay off debt interest-free within the introductory period.1
- Transfer balances within the first 90 days to consolidate multiple balances onto your Freedom Visa.
- Low Balance Transfer Fee.2
- Minimum payment is 2.00% of your total new balance, or $30.00, whichever is greater.
To complete the application, you’ll need payment address information. If you have questions, please contact us.
FAQS for Current Cardholders
Get clarity and answers to common questions, ensuring you make the most of your credit card experience. Whether you’re seeking information on account changes, managing your card online, or you need to report a lost/stolen card, we’ve got you covered.
Disclosures
*APR is ANNUAL PERCENTAGE RATE
1 The introductory APR will revert to the current standard rate, which is based on individual creditworthiness and varies with the market based on the Prime Rate, after the promotional period. The standard APR is 11.24% – 18.00% for Platinum, 12.74% – 18.00% for Platinum Rewards, and 13.24% – 18.00% for Visa Signature. Rates are effective December 28, 2025; all rates and promotions are subject to change. See External Loan Rate Sheet 12-28-2025.
2 The introductory 0% APR applies to purchases and balance transfers made within the first 90 days of account opening. A 3.00% balance transfer fee applies to Platinum and Platinum Rewards Visas; a 0.99% balance transfer fee applies to Visa Signature. The same APR applies to balance transfers and cash advances. Total value of balance transfers cannot exceed your credit limit. Any existing balances on a Freedom Federal Credit Union loan or credit card account are not eligible for the Introductory APR for balance transfers.
3 CURewards® points are earned on qualifying purchases and may be redeemed for 1% cash back, merchandise, travel, and gift cards through curewards.com. Platinum Rewards cardholders will receive 1,000 bonus points after spending $500 on qualifying purchases in the first 90 days from account opening. Visa Signature cardholders will receive 10,000 bonus points after spending $2,000 on qualifying purchases within 90 days of account opening. Cash advances and balance transfers do not earn points and do not count toward bonus thresholds. Rewards eligibility is determined by merchant category codes as classified by the card processor. No adjustments will be made if a merchant’s category code does not qualify. Bonus point offers are ongoing but subject to change or cancellation at any time.
4 Additional fees may apply, including a cash advance fee of $10.00 or 2.00% of the amount advanced, whichever is greater, and a foreign transaction fee of 1.00% of each transaction in U.S. dollars. Visa Signature is exempt from foreign transaction fees.
5 Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for further details.
All rates are available on approved credit. Not all applicants will qualify for the lowest rate. No finance charges are assessed on new purchases if the statement balance is paid in full within 25 days of the billing date. Membership eligibility applies.
Important information regarding rate, fee and other cost information can be found on the Visa Application & Soliciation Disclosure and Consumer Credit Card Agreement.