Platinum & Classic card options

Visa Platinum is available to qualified members; others may be eligible for a Visa Classic.

Visa Platinum cardholders earn cash-back rewards¹ on purchases, plus save money multiple ways:

• No annual fee
• No program fee
• No transaction fee for purchases
• No balance transfer fee
• No cash advance fee
• No over-the-limit fee
• No penalty interest rate for being late with a payment
• 10.90% APR^2, applies to purchases, balance transfers and cash advances (many other card issuers charge higher rates for balance transfers and cash advances than purchases)
• 25-day interest-grace period on purchases
• Visa’s Zero Liability Policy (you won’t be held responsible for unauthorized transactions made with your card)

Classic cardholders enjoy all of these same benefits except for cash-back rewards, with rates ranging from 10.90% APR² to 19.90% APR².

Members age 16 or 17 can get a Visa Classic card, with a parent as a co-signer. This helps them establish credit and demonstrate responsible use by making payments on time. Proof of job required for teen. This card features a low annual percentage rate of 11.90% and a low credit limit of $250.

An individual can get a credit card of their own starting at age 18, with a higher credit limit ($500) based on proof of income. APR is 12.90%.

No matter what rate you receive from us, it will be far less than what department stores and megabanks charge on their credit cards (as high as 30.00% APR). If you check their fees, you'll find they're exhorbitant, too. For example: 1) A balance transfer fee of 3% to 5% of the amount of each transfer is commonly charged; and 2) On cash advances, a fee $10 or 5% of the amount of each transaction, whichever is greater.

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¹Once 1,500 points are reached, cardholder can redeem their points at their convenience by having the financial reward deposited into their Century savings or checking account.. To redeem rewards points, call us during normal business hours at (636) 467-5037 or outside of business hours at 855.854.5493. If you're enrolled in online banking or have downloaded our mobile app, you can also redeem your rewards points by selecting CARD REWARDS, then choosing the last four digits of your credit card number, clicking Redeem, then Payment Options, and then Direct Deposit.

²APR= Annual Percentage Rate, based on member creditworthiness. Fixed rate. Credit score of 680 or higher required for a Platinum card. Credit limits differ and are based on the member's debt-to-income ratio. The APR on Visa Classic cards secured by money on deposit with the credit union is 14.90%.

Download this document for the complete Visa credit card agreement and disclosure information.

To block a lost or stolen card after hours, please call 1-800-880-0640.