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 
Platinum Rewards Visa
Best if you want REWARDS
With every qualifying purchase, you earn CURewards points:
- 4X points on video streaming services
- 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.
YOU ALSO GET:
- No annual fee2
- 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.2
13.49% – 18.00% APR*
0% INTRO APR1
FOR 15 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 fee2
- 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.2
11.99% – 18.00% APR*
0% INTRO APR1
FOR 15 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 fee2
- 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.2
8.24% 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 fee2
- 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 7.50% APR
EVERY CARD INCLUDES
All Platinum card options come with these premium benefits.
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Roadside Assistance
Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier with Roadside Dispatch®.
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Safety Online
Your Freedom Visa Credit Card comes layered with extra protection when making purchases online with Visa Secure.
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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.2
- 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 to have 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. Rate is based on individual credit worthiness and will vary with the market based on the Prime Rate.
1 The introductory rate will revert to the current standard rate as applicable after the promotional period: 11.99% – 18.00% APR for Platinum or 13.49% – 18.00% APR for Platinum Rewards, based on individual credit worthiness. Rates are effective March 28, 2025 and subject to change. Rate will vary with the market based on the Prime Rate. External Loan Rate Sheet 03-28-2025.
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. Other fees may be incurred from using one of Freedom’s cards, including a cash advance fee, $10 or 2.00% of each cash advance, whichever is greater, and a Foreign Transaction Fee, 1.00% of each transaction in US Dollars.
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 curewards.com. 1,000 bonus points awarded at account opening and 1,500 points bonus points awarded at first retail charge. Ongoing purchases of streaming video services earn 4x points, or 4 points for every dollar charged. Ongoing charges at restaurants earn 3x points, or 3 points for every dollar charged. Ongoing purchases of gas and groceries earn double points or 2 points for every dollar charged. 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.