Premium Rewards. Signature Service.

*APR = Annual Percentage Rate.

1 Rewards are issued as points and can be redeemed at CURewards.com in the form of cashback, merchandise, travel discounts, or gift certificates.  Earn 4X Points on Streaming, 3X on Everyday Commuting, 2X Dining, Food Delivery, and Groceries, and 1.5X on Everything Else.  Purchases must match category criteria, as adjustments to point earnings cannot be made manually. This is an ongoing promotion and is subject to change at any time.

2 10,000 bonus points when you spend $2,000 on purchases in the first 90 days of opening your account. Cash advances and balance transfers do not earn Reward points and do not count toward bonus points.

3 The 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 0.99% balance transfer fee is applicable for each balance transfer. This offer is available on the Visa Signature credit card only, membership eligibility applies. Any existing balances on Freedom Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

4 After the introductory period, the rate reverts to the standard variable APR of 13.99%–18.00%, based on creditworthiness. Rates are effective May 1, 2025; all rates and promotions are subject to change and vary with the market based on Prime. Offer and rates available on approved credit; not all applicants will qualify for the lowest rate. Membership eligibility applies. The same APR applies to purchases, balance transfers, and cash advances. Other fees may apply, including a cash advance fee of $10 or 2.00% of the amount advanced, whichever is greater. No finance charges apply to new purchases if the balance is paid in full within 25 days of the billing date. External Loan Rate Sheet 05-01-2025.

5 Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

6 Certain terms, conditions and exclusions apply. For coverage to apply, you must pay your monthly cellular wireless phone bill with your covered Visa Signature account. Please refer to your Guide to Benefits for further details.

7 Certain terms, conditions and exclusions apply. For coverage to apply, you must use your covered Visa Signature account and/or rewards program associated with your covered account to secure transactions. When you pay your fare with your covered account, you’ll have up to $50,000 in AD&D protection and up to $100 reimbursement for personal property that is lost, damaged or destroyed. Please refer to your Guide to Benefits for further details.

8 Certain terms, conditions and exclusions apply. For coverage to apply, you must use your covered Visa Signature account and/or rewards program associated with your covered account to secure transactions. Please refer to your Guide to Benefits for further details.

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