Woman in a yellow shirt using a credit card

Credit Cards

Unlock the power and possibilities of credit.

Whether you’re all about “rewards” or looking for a “low rate”, you’ve found the perfect spot.

Give yourself the spending strength of Call Federal Visa® credit cards — competitive rates, no hidden fees, and expert guidance along the way.

 

Benefits

Platinum for all ensures that your Call Federal credit card will be your reliable go-to card for purchases of all types.

Lock with Percentage Sign

Competitive Rates

Avoid overpaying for financing everyday needs with our best rate.

Calendar

More Rewarding Holidays

Earn double points during select holidays throughout the year. Learn more about holiday rewards.

Notice

Protection

Enjoy peace of mind with identity theft and fraud protection, travel accident insurance, and roadside assistance.

No Fees

No Annual or Balance Transfer Fees

We’re not joking – No annual or balance transfer fees for our Visa Platinum Rewards and Visa Platinum Credit Cards.

Mobile Phone

Digital Wallet

Pay securely in person or online by linking your Call Federal Credit Union Credit Card to Apple Pay®, Samsung Pay™, or Google Pay®.

Money Transfer

Contactless Card

This rectangular piece of plastic offers so much convenience every time you tap, insert, or swipe!

Five star feedback

★★★★★

I have been a member of Call Federal for several years and I’m so glad I am. Everyone is friendly, knowledgeable, helpful, and kind. I like that if your credit card is hacked, the fraud department will contact you right away. You can go in the branch and pick up a new credit card.

Pam M.

Your Options at a Glance

  • Best for 

    Best for 

  • Competitive Interest Rate1

    Competitive Interest Rate1

  • Annual Fee2

    Annual Fee2

  • Balance Transfer Fee2

    Balance Transfer Fee2

  • Contactless Cards

    Contactless Cards

  • Identity Theft Protection by Norton LifeLock

    Identity Theft Protection by Norton LifeLock

  • Roadside Assistance

    Roadside Assistance

  • Travel Accident Insurance

    Travel Accident Insurance

  • Fraud Protection with Visa Purchase Alerts

    Fraud Protection with Visa Purchase Alerts

  • Cell Phone Protection

    Cell Phone Protection

  • Disclosures

    Disclosures

Visa Platinum Rewards

  • Best for 

    The card user that loves to earn Reward Points for every $1 spent

  • Competitive Interest Rate1

    14.75% APR (Variable)

  • Annual Fee2

    NO Annual Fee

  • Balance Transfer Fee2

    NO Balance Transfer Fee

  • Contactless Cards

  • Identity Theft Protection by Norton LifeLock

  • Roadside Assistance

  • Travel Accident Insurance

    Up to $1M

  • Fraud Protection with Visa Purchase Alerts

  • Cell Phone Protection

  • Disclosures

Visa Platinum

  • Best for 

    The casual or novice credit card user. 

  • Competitive Interest Rate1

    12.00% APR

  • Annual Fee2

    NO Annual Fee

  • Balance Transfer Fee2

    NO Balance Transfer Fee

  • Contactless Cards

  • Identity Theft Protection by Norton LifeLock

  • Roadside Assistance

  • Travel Accident Insurance

    Up to $250K

  • Fraud Protection with Visa Purchase Alerts

  • Cell Phone Protection

  • Disclosures

Visa Platinum Secured

  • Best for 

    Credit card users looking to build or repair their credit. 

  • Competitive Interest Rate1

    18.00% APR

  • Annual Fee2

    $30 Annual Fee

  • Balance Transfer Fee2

    N/A

  • Contactless Cards

  • Identity Theft Protection by Norton LifeLock

  • Roadside Assistance

  • Travel Accident Insurance

    Up to $250K

  • Fraud Protection with Visa Purchase Alerts

  • Cell Phone Protection

  • Disclosures

Rates

Visa® Credit Cards

Credit Card

APR1

1APR= Annual Percentage Rate. Visa Platinum Rewards Credit Card rate will vary and based on the prime rate. Visa Platinum and Visa Platinum Secured Credit Cards rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Loans are subject to approval. Certain restrictions may apply. Rates effective as of January 13, 2025.

Credit Card

Visa Platinum Rewards

APR1

14.75%

Credit Card

Visa Platinum

APR1

12.00%

Credit Card

Visa Platinum Secured

APR1

18.00%

Need a little more information?

We’re here to help!

At Call Federal, our mission is to serve our members, not outside stockholders. This member-first approach allows us to offer competitive rates and fewer fees to our members in the Greater Richmond metro area. Here’s why a Call Federal Visa Credit Card is a smart choice:

  • Variety of Options: Choose from credit cards tailored to your needs, whether you’re a casual user, rewards enthusiast, or working to build or rebuild your credit.
  • Competitive Rates & Lower Fees: Enjoy better rates and no fees—or reduced fees—on select accounts.
  • Convenient Access: Manage your card anytime, anywhere with our mobile and online banking services.
  • Clear Terms: We provide easy-to-understand explanations of all terms, conditions, and restrictions.
  • Credit-Building Support: Access tools and resources to improve your credit and achieve your financial goals.

Looking for a financial institution that prioritizes your needs? Contact us today—we’re here to help you succeed!

Yes, you can transfer balances to any of our Visa credit cards, except the Visa Platinum Secured card. Best of all, there’s no balance transfer fee! Move your balances to our low-rate card and start saving. Contact us today to get started!

At Call Federal Credit Union, we prioritize our members by minimizing fees associated with our Visa credit cards:

  • No Application Fee: Apply for your credit card without any upfront costs.
  • No Balance Transfer Fees: Transfer balances from other credit cards without incurring additional charges.
  • No Annual Fees: Enjoy the benefits of your Visa Platinum Rewards or Visa Platinum Credit Card year after year without any annual charges.

This fee structure allows you to maximize the value of your credit card without unnecessary expenses.

Once approved, you can receive your card in two ways:

  • Instant Issuance: Pick it up at your preferred branch.
  • Mail Delivery: Your card will arrive within 7–10 business days.

Contact us to choose your delivery method and get your card quickly!

Accessing your rewards is quick and easy:

  1. Log in to Online Banking.
  2. On the Accounts Page, find the Services box and click “REWARDS for Platinum Cardholders.”
  3. For first-time users, select “Not registered? Sign up now” and follow the prompts. Use the last six digits of your credit card (not your member number) for the account number.
  4. Create a username, enter your email, complete registration, and check your email for a verification link.
  5. Click “Create Password” in the email, set your password, and log in to Call Federal REWARDS.

Start redeeming your points today or save them for something bigger—your choice! With secure Digital Banking, you can manage rewards with confidence from any device.

To enroll in ID Navigator Powered by NortonLifeLock, follow these steps:

  1. Verify Eligibility: Visit cardbenefitidprotect.com and enter your Visa card number to confirm eligibility.Complete Enrollment: After verification, you’ll be redirected to NortonLifeLock’s enrollment page. Provide the following information:
    • First and last name
    • Social Security number
    • Date of birth
    • Address
    • Phone number
    • Email address

For more information about NortonLifeLock and the ID Navigator program, please refer to their support page.

Please note that enrollment is subject to successful identity verification and card validation. The offer may be modified or canceled without notice

Not finding what you’re looking for? See all FAQs.

Apply for a Credit Card

Call Federal is here to help. Reach out to us today for more information and assistance.

Apply Online
Get Started
Visit Us
Locations
Call Us
804.274.1200

Need some guidance?

Complete this form and a member of our team will contact you.

"*" indicates required fields

Name * Required
This field is for validation purposes and should be left unchanged.

Disclosures

1APR = Annual Percentage Rate. APRs are current as of October 13, 2023. The rate is variable and subject to change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Not all will be approved. 2A 1.00% fee is charged for the amount of each cash advance and foreign transaction. A late payment or returned payment fee of $25 is charged at each instance. 3Earn one point for every dollar spent on net purchases. Balance transfer transactions, in addition to finance charges, fees, cash advances, convenience checks, foreign transaction charges, or insurance charges posted to your account DO NOT qualify towards rewards. All Call Federal loan programs, rates, terms and conditions are subject to change at any time without notice. Membership required.