A young couple checks the Call Federal Rewards portal to maximize their Call Federal Visa Platinum Rewards card experience

Platinum Rewards Credit Card

A more rewarding credit card experience.

With the Call Federal Visa® Platinum Rewards Credit Card, you earn points on every dollar you spend on purchases – all with a competitive low rate. Enjoy no annual fees and no balance transfer fees, making it the card that works hard for your wallet.

 

Why Members Love Their Call Federal Platinum Rewards Visa

When you earn Rewards points for every $1 spent on purchases, they really start to add up. What’s not to love?

Bonus points on select holiday weekends

Throughout the year, particularly around the big holiday weekends, we turn on bonus rewards for 2x points on purchases whether you’re on the road or hanging out around town.

Dream & redeem with our easy-to-use Rewards site

Whether you’re saving up for a big trip, a grand new experience, or just gift cards for the things you love, CallFederalREWARDS.com makes it simple to browse for what you want and redeem your accumulated points there on-site.

Need help registering for Call Federal REWARDS? Check out this guide or call our dedicated Rewards team at 888-293-1276.

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.

Key Features

Our Visa Platinum Rewards credit card will be your reliable go-to card for purchases of all types.

No Fees

No Annual or Balance Transfer Fees

We’re not joking – No annual or balance transfer fees for our Visa Platinum Rewards credit card.

Debit or Credit Card

Contactless Cards

Enjoy the speed and convenience of faster transactions as well as enhanced security through industry-leading encryption.

Mobile Phone

Digital Wallet

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

Notice

Help When You Need It On the Road

Enjoy peace of mind with travel accident insurance coverage up to $1m, as well as roadside assistance.

Mobile Phone

Cell Phone Protection

Pay your monthly wireless bill with your Platinum Rewards card? We’ve got you covered.

Debit or Credit Card

Credit Card Management

Tools and features available to securely and conveniently manage cards online or via mobile. Valuable benefits like card controls, alerts, travel notifications, and more.

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, 2026.

Credit Card

Visa Platinum Rewards

APR1

14.00%

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.

Fast, Flexible Applications for Your Busy Life

Quick, seamless, and designed to keep up with your busy lifestyle—apply today and get moving faster.

Number 1

Apply

Applying for a Call Federal Visa Credit Card is easy — start by completing our online application.

Number 2

Review

We’ll review your application quickly and efficiently and be in touch within one business day of your application being submitted to us.

Number 3

Receive

Get your credit card faster with our Instant Issuance option—pick it up at your preferred branch the same day it’s approved!

Apply for a Credit Card

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

Apply Online
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804.274.1200

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Disclosures

1APR = Annual Percentage Rate. 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.