APCO Employees Credit Union’s credit card program includes enhanced rewards options, a dedicated online site to view your account, and electronic statement availability, all with no annual fee.
Visa is the most accepted credit card worldwide. That means you can use it with confidence anywhere you shop, dine or travel.
If you would like to apply for an APCO Visa® Rewards Credit Card:
Simply log-in to your Credit Union’s Online or Mobile Banking and choose “Apply for a Loan” from the main menu. You’ll choose Credit Card from the list of options and it’s that easy!
If you have any questions, you may contact us, or you may contact our Call Center at 205-226-6800 or 1-800-249-2726.
Resolve to tackle your financial goals in 2024 by taking advantage of our Visa® Balance Transfer Special that allows you to move your high-interest credit card balance to a lower interest rate credit card from your Credit Union. January 2, 2024 through March 31, 2024, you will have the opportunity to transfer your high-interest credit card debt from another financial institution or credit card provider to an APCO Visa Rewards Credit Card. Eligible applicants will receive a special, low 1.99% APR on all balance transfers.
For details, visit us online or call 1-800-249-APCO to transfer your balance today.
*Terms and conditions apply. Contact us for more details or visit us online. APR = Annual Percentage Rate.
Click here if you have lost your APCO Visa Rewards Credit Card
Click here to download an application
Click here for a Balance Transfer Authorization Form
Click here to request a Credit Limit Increase
Always be diligent in protecting your information. Click here for things we won’t ask you.
Enjoy enhanced rewards with no annual fee on your APCO Visa Rewards Credit Card! Membership in uChoose Rewards® is free as part of your APCO Employees Credit Union credit card plan. uChoose Rewards allows you to redeem points on your credit card purchases to use toward cash back as a statement credit, shopping, travel, event tickets, gift cards and more. You can also pay with your Rewards at checkout with PayPal at millions of online retailers.
You will start earning points the first time you make a transaction with your credit card. You’ll earn a highly competitive 1.75% on every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers.
Rewards do not apply for cash advances or balance transfers.
A list of participating retailers can be found at on the uChoose Rewards Website, which can be accessed through the direct link in your Credit Union’s online banking.
You may log-in and access the history of your point activity by clicking the eCS and uChoose Rewards link inside your Credit Union’s online banking. There you can keep track of the points you’ve earned, and then shop the online rewards catalog when you’re ready to redeem. A Wish List Tracker is also available to notify you when you’ve earned enough points to redeem a specific item.
It can take up to 40 days for your points to be credited to your account. You must first accumulate 1,500 points before you can redeem them.
APCO Visa Platinum Rewards Card
For a lost or stolen card, balance inquiries, payment information, transaction history, statement requests or to dispute a charge within the United States, call 888-999-0127. For international service, please call 531-233-6346.
APCO Visa Signature Rewards Card
For a lost or stolen card, balance inquiries, payment information, transaction history, statement requests or to dispute a charge within the United States, call 888-999-1136. For international service, please call 531-233-6364.
For added convenience and security, your APCO Visa Rewards Credit Card is compatible with Apple Pay, Google Pay, and Samsung Pay. All three platforms use contactless payment without the need to present your credit card. By not having your card account number shared with merchants, you can pay with greater peace of mind. Learn more about the added convenience and security of these digital wallet options here.
Apple Pay® transactions using Apple devices are authorized with TouchID™ security or your passcode, and transactions never use your Card number. Click here to learn about finding merchants accepting Apple Pay.
HOW TO SET UP APPLE PAY
Credit cardholders with Android and iOS devices can make transactions with their device using Google Pay™. Google Pay is accepted by most merchants.
LEARN MORE ABOUT Google pay
Credit cardholders with an eligible Samsung device with the Samsung Wallet app can make transactions with their device using Samsung Pay®. Samsung Pay is accepted by most merchants.
LEARN MORE ABOUT SAMSUNG PAY
Actively manage your credit cards by defining when, where and how your cards are used – all right from your phone!
CardManager sends real-time alerts for transactions enabling you to manage, track and report specific types of transactions. You can customize your experience by setting alerts and controls for:
Lost or misplaced a card? CardManager enables you to turn a card “off” until it’s found.
Log-in through your Credit Union Mobile Banking today!
eCS offers real-time credit card information, including transactions, pending activity, payment information and custom email alerts. Plus, you are able to sign up for electronic statements when you log into your account through your Credit Union’s online banking at apcocu.org.
Set a dollar amount and if a transaction meets or exceeds that dollar amount you will automatically be notified of phone or internet transactions and international transactions.
REGISTER FOR VISA PURCHASE ALERTS
For added convenience, new APCO Visa Rewards Credit Cards can be picked up upon application approval at many branch locations. If your card is lost, stolen or broken, many of our branches can issue you a new card same day for pick up. Contact your local branch to inquire about options.
All fees are subject to change without notice.
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”
The information about the costs of the card described in this application is accurate as of: July 13, 2020.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the APCO Visa is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
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