Visa Credit Cards

Make spending simple with one of three Visa® Credit Card options. We strive to offer you competitive rates and features with minimal fees. Most importantly, we provide wise advice as you determine the best card for your unique needs and an exceptional experience from start to finish.


Credit Cards – At A Glance

Visa Platinum Rewards
Visa Platinum Rewards
Visa Platinum
Visa Platinum
Visa Platinum Secured
Competitive Interest Rate* 15.50% APR
12.00% APR 18.00% APR
Annual Fee** NO Annual Fee NO Annual Fee $30 Annual Fee
Balance Transfer Fee** NO Balance Transfer Fee NO Balance Transfer Fee N/A
Call Federal REWARDS***
Contactless Cards
Identity Theft Protection
by Norton LifeLock
Roadside Assistance
Travel Accident Insurance Up to $1mil Up to $250k Up to $250k
Fraud Protection
with Visa Purchase Alerts
Cell Phone Protection
Best for The User that loves to earn Reward Points for every $1 Spent. The Casual or Novice Credit User. Users looking to build or repair their credit.
Disclosures Application/Solicitation
Account Opening
Call Federal REWARDS
Account Opening
Account Opening

Featured Benefit – Call Federal REWARDS:

Call Federal Platinum Rewards cardholders earn a point for every dollar spent on purchases, redeemable for a wide range of gift cards, merchandise, experiences and more with the exclusive Call Federal REWARDS program, plus these additional benefits:

  • Spend $1 and earn 1 Reward Point all day and every day!
  • More Rewarding Holidays. Earn 2x points during select holidays throughout the year.
  • No Caps & 5-Year Expiration. Accumulate as many points as you want with 5-years from the date earned to redeem them.

Access Call Federal REWARDS:

Once you have received your Visa Platinum Rewards Credit Card, it is easy to access the points you have earned.

Detailed instructions were sent via email to cardholders that can also be accessed here. If you have issues registering, please contact our dedicated Rewards team at 888-293-1276.

A Simple Visa Credit Card Application Process


Step 1

Get Started

Applying for a Call Federal Visa Credit Card is easy. First, fill out our online application.

Step 2


We’ll review your application quickly and efficiently and be in touch within 1 business day of your application being submitted to us.

Step 3

CONGRATUATIONS! You are approved!

Once approved, our team will work with you to receive your Visa Credit Card by either picking up at your preferred branch or we can mail it directly to you. You choose what works best for you! Then just activate your card and start enjoying its benefits!

Not Sure Where To Begin?

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

  • This field is for validation purposes and should be left unchanged.



“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. No waiting 2 weeks for the bank to mail you one. Their services are #1. The people that work at the Main Office and the branches I’ve been to have been friendly, kind, helpful, and knowledgeable. Call Federal Credit Union is the place you need to bank it. You won’t be sorry you did.”

Pam M., Midlothian, VA


FAQ About Visa Credit Cards

Credit unions exist to serve their members, not outside stockholders. For Call Federal, that means we can offer competitive rates for credit cards with fewer fees to our members in the Greater Richmond metro area. A Call Federal Visa Credit Card offers these benefits:

  • We offer a range of credit cards tailored to your specific needs, whether you're a casual user, seeking rewards, or working on building or rebuilding your credit.
  • You get better rates and no fees – or lower fees on certain accounts.
  • You get easy and convenient access to your accounts with our mobile and online banking services.
  • We can help explain all terms and conditions and communicate any other restrictions that may apply to your Visa credit card.
  • We have resources to help improve your credit and get you the financing and any other help you need. And many more! Learn more about our membership benefits here.
If you're looking for a financial institution that prioritizes your needs, please contact us. We're here to serve you and help you achieve your financial goals.

Yes, you can transfer balances from other credit cards to all of our Visa credit cards except our Visa Platinum Secured card. And the best part is you don’t have to pay a balance transfer fee. Just set up your balance transfer and start saving by moving your balances to our low rate card.

For the fraud protection service to be effective, be sure Call Federal has your most current phone number and email address on file should we need to contact you.

With our Mobile Banking app, you gain a wide variety of options for ensuring your card stays safe, including the ability to turn a card on or off, set a variety alerts, and check recent charges.

You also should let us know about your travel plans to avoid your card being blocked when you travel.

To initiate a fraud/non fraud dispute, please call our cardholder assistance at 866-643-1258.

To enroll, cardholders should visit and complete the eligibility verification. Once verified, cardholders will be redirected to the offer page on for the ID Navigator enrollment. This will require first name, last name, SSN, date of birth, address, phone number, and email address. To learn more about NortonLifeLack, read our FAQ here.

Yes, membership is required to open a Visa credit card. Simply open an account by filling out this form online to become a member and enjoy all the benefits Call Federal has to offer.

If you live, work, worship, or attend school in the Richmond metropolitan statistical area, you're eligible for membership!

Manage your account via Online or Mobile Banking app for 24-hour account access. We also have a designated team to assist you by phone anytime at 1-866-643-1258.

If your card is lost or stolen, please call our 24/7 cardholder assistance number 1-866-643-1258 (domestic) or 1-571-325-3383 (international). You can also manage your card via our Mobile Banking app and turn your card "off". You may visit your closest Call Federal branch to have a new card printed instantly for you.

Once you have received your Visa Platinum Rewards Credit Card, it is easy to access the points you have earned.

1. Login to Online Banking.

2. On your Accounts Page, locate the Services box.

3. Click the REWARDS for Platinum Cardholders link, which will open a new browser window to your personalized Welcome Page for the program.

4. Start redeeming your points now or save them for something else. The choice is yours!

If you are not enrolled in our Online Banking, it's easy to get setup by clicking on our secured Enrollment Page. If you have any trouble, please contact us at 804-274-1200 or complete our "Contact Us" form, and our team will guide you through the process. Our Digital Banking services, whether accessed from your computer or mobile phone, are always safe and secure for your peace of mind!

*APR = 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. **A 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. ***Earn 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.

Apply for a Call Federal Visa Card today!

Online Icon

Apply Online

Branch Icon

Meet Us

Phone Icon

Learn More