VISA Credit Cards

APCO Platinum VISA

Carry the power card. Only one card gives you the kind of power you can use worldwide… and fits in the palm of your hand. The APCO Visa costs less than other credit cards. Look:

  • Only 10.9% APR. And we don’t raise your rate whenever there’s a day of the week that ends in Y.
  • No annual fee.
  • A 25 day grace period on purchases. That’s like getting a free loan.
  • 1% Cash back reward.

A brilliant move

Our Visa is the most accepted credit card worldwide. That means you can use it with confidence anywhere you shop, dine or travel.

Now is the perfect time to get an APCO Visa. Our low 10.9% interest rate means you can enjoy its power for less.

Apply today

Prove it to yourself by comparing your present card to ours. Look at the interest rate, annual fee and grace period. We treat you best by saving you money.

Start getting more for your money in credit card services by applying for your APCO Visa. Stop by or call one of our offices today!

Lost or Stolen

After hours lost or stolen credit cards, call 1-800-991-4961.

Instructions:

  1. Download the application below
  2. Complete the application
  3. Mail or bring application into your local APCO office

 

APCO Platinum VISA Application

Balance Transfer Authorization Form

Request A Credit Limit Increase

 

Disclosure of Fees

Interest Rates and Interest Charges
ANNUAL PERCENTAGE RATE (APR) for purchases 10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
APR for Balance Transfers 10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
APR for Cash Advances 10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
How To Avoid Paying Interest on Purchases You can avoid interest on purchases billed during the cycle by paying the full amount of the new balance of purchases within 25 days of your statement closing date.
Minimum Payment 4% of your total new balance or $20.00, whichever is greater.
For Credit Card Tips From The Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Cash Advances Fee 1% of amount of cash advance but not less than $3
Balance Transfer Fees None
Foreign Transactions Fee 1%
Late Payment Fee Up to $35
Over the Limit Fee None
Statement Replacement Fee $10
Visa Draft Replacement Fee $10
Return Payment Fee $15

How We Will Calculate Your Balance. We use a method called the average daily balance, including new purchases.

Cash Back – 1% of all purchases. No cash back for closed or delinquent accounts.

Information about consumers’ right to dispute transactions included in account opening disclosures.

All terms of your Credit Card Agreement are subject to change with 45 days prior notice. The information about the costs of the card described in this application is accurate as of January 1, 2014. This information may have changed after that date. To find out what may have changed, write to us at APCO EMPLOYEES CREDIT UNION, 750 17TH STREET NORTH, BIRMINGHAM, ALABAMA, 35203 or call (205) 226-6800.

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