Credit Cards

Make the Switch to a Freedom Visa® Credit Card

0% APR* for 15 Months Introductory Rate1 for Purchases and Balance Transfers on Freedom Platinum and Platinum Rewards Credit Cards!2 

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

Platinum Rewards3

With every qualifying purchase, you earn CURewards points:

  • 3X points on restaurants
  • 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!

Platinum Share-Secured
A great tool to help members of any age establish or rebuild a positive credit history. A Visa Share-Secured 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.

Apply for one of Freedom’s Credit Card Options

 Each Freedom Platinum Visa option has great benefits including:

  • 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 Verified by Visa
  • EMV Chip technology for safer transactions



*APR is ANNUAL PERCENTAGE RATE. Rate is effective October 31, 2019.

1 The introductory rate will revert to the current standard rate as applicable after the promotional period. That is 9.24% APR to 17.24% APR  for VISA Platinum, or 10.74% APR to 18.00% APR for VISA Platinum Rewards, based on individual credit worthiness. Rates quoted are effective October 31, 2019 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 VISA Platinum and VISA Platinum Rewards 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 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 Disclosure and Consumer Credit Card Agreement.

Cardholder Agreement for Pre-Authorized Credit Card Payment 

Credit/Debit Cardholder Dispute Form