Credit Cards

Credit Cards

Make the Switch to a Freedom Visa® Credit featuring contactless tap & go technology.

Apply for a Freedom Credit Card

Choose the Card That's Right for You



Freedom offers three Platinum variable-rate credit cards, allowing you to choose the card that’s right for you—Platinum, Platinum Rewards, or Platinum Share-Secured.

Great Card Benefits

All of Freedom’s Visa Platinum card options feature:

  • Competitive low variable APR*
  • No annual fee
  • No finance charges on new card purchases if the monthly balance is paid in full.
  • Same APR* for balance transfers, purchases, or cash advances2
  • Online account access: Access your Visa credit card to easily check your balance and available credit and to make safe, secure transactions on your account
  • Secure Online Purchasing—Add extra security to your Freedom Visa Credit Card when making purchases online with Visa Secure
  • EMV Chip technology for safer transactions

With every qualifying purchase, you earn CURewards points:

  • 4X points on video streaming services (Limited Time Offer)
  • 3X points on restaurants, take-out, and food delivery
  • 2X points on gas and groceries
  • 1X points on everything else

Redeemable for CASH BACK3, and on a wide variety of premium merchandise, travel discounts, or gift certificates. You choose!

Now earn points even faster. Get 1,000 bonus points when you open the card, and 1,500 bonus points with your first transaction.

Offers a competitive, low APR*, and all the great convenience of a Platinum card!

A great tool to help members of any age establish or rebuild a positive credit history. A Share-Secured Visa credit card allows you to borrow against a balance that you provide upon enrolling. The balance established in the account serves as collateral should you default on credit card payment.

  • Credit Card Rewards

    CURewards are redeemable for 1% CASH BACK3, or a wide variety of premium merchandise, travel discounts, or gift certificates. You choose!

  • Secure Online Purchasing

    Add extra security to your Freedom Visa Credit Card when making purchases online with Visa Secure

  • Balance Transfers

    Each of Freedom’s Visa cards offer the same APR* for balance transfers, purchases, or cash advances2. Apply for a Visa Balance Transfer


Whether you are a new or current card holder, everyone can now take advantage of Freedom’s newly designed contactless credit cards.

For additional details, visit

New Freedom Contactless Visa Credit Cards Are Here

All current and active Freedom Credit Cardholders will receive new Visa credit card(s) in the mail. Members are asked to follow three simple steps:

  1. Activate your new Contactless card by calling 1-800-527-7728. You can also set a new, personalized PIN of your choice by calling 888-886-0083 (a new, auto generated PIN number will be automatically mailed to you separately).*
  2. Sign the back of your card immediately.
  3. Download the Freedom Card Manager App if you have not done so already, and register your new card.

Be sure to update any recurring payments with your new card number and expiration date.

With Contactless tap and go technology, your new Freedom Visa credit card will make checking out a snap!

*Destroy old cards after activating.

Get the Card Manager App
Member Steps


*APR is ANNUAL PERCENTAGE RATE. Rate is effective March 18, 2020.

1 The introductory rate will revert to the current standard rate as applicable after the promotional period. That is 7.74% APR to 15.24% APR for the Platinum VISA, or 9.24% APR to 17.24% APR for the Platinum Rewards VISA, based on individual credit worthiness. Rates quoted are effective March 18, 2020 and subject to change. Rate will vary with the market based on Prime.

2 The 0% introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. A 3% balance transfer fee is applicable to these balance transfers. This offer is available on the Platinum VISA and the Platinum Rewards VISA credit cards only. Any existing balances on Freedom Federal Credit Union credit card accounts are not eligible for the Introductory APR for balance transfers.

3 With every qualifying purchase, you earn CURewards points, redeemable for 1% CASH BACK, or merchandise, travel discounts, or gift certificates. Redeem points online at 1,000 bonus points awarded at account opening and 1,500 points bonus points awarded at first retail charge. Ongoing charges at restaurants earn 3x points, or 3 points for every dollar charged. Ongoing purchases of gas or groceries earn double points or 2 points for every dollar charged.  For video streaming subscriptions- earn 4 points for every dollar spent. Subscriptions must match category criteria.  This promotion is an ongoing promotion and is subject to change at any time.For only 5,000 points you can redeem for $50, which may be deposited into your Freedom account or used for a $50 payment on your Freedom Visa. Redeem for additional funds in increments of 5,000 points.

Rates are available on approved credit. Not all applicants will qualify for the lowest rate. The rates are the same for balance transfers and cash advances. Other fees may apply. No finance charges on new card purchases if the balance is paid in full each month within 25 days of the billing date.

Important information regarding rate, fee and other cost information can be found on the Visa Application and Solicitation Disclosure and Consumer Credit Card Agreement.

Cardholder Agreement for Pre-Authorized Credit Card Payment 

Credit/Debit Cardholder Dispute Form