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Virtual Branch Online Banking

VISA Credit Cards

VISA Credit Cards

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VISA Credit Cards that fit your lifestyle!

Choice One Credit Union VISA Platinum and Classic Credit Cards are the safe and convenient way to pay when shopping in stores or online, when traveling, for emergencies, or for just about anything. You’ll save money with our low credit card rates and enjoy the convenience of VISA wherever you go. Make the switch to a Choice One VISA today!

Choice One VISA Credit Card Features

  • Platinum – A Low 8.90% APR*
  • Classic – A Low 13.50% APR*
  • 0% APR* VISA Balance Transfer Rate
  • No Balance Transfer Fee
  • No Annual Fee
  • 25-day Interest-Free Grace Period On Purchases
  • Accepted Everywhere
  • Worldwide Cash Advance Option
  • UChoose Rewards

Get the purchasing power you need and start saving today. Apply for a Choice One VISA today! Apply for a Choice One VISA online or in person at any branch.

Apply Online View Existing Account Online

VISA Credit Card Rates

APR* Info and/or Terms
Effective Date: 01/01/2024
Rates Subject to Change at Anytime
VISA Platinum As low as 8.90%* Annual Percentage Rate for Purchases and Cash Advances
Transaction Fee for Purchases: Average Daily Balance (including new purchases)
Grace Period for Purchases: 25 days
No Annual Fee
Application Fee $5.00
Transfer Rate – 0% APR* for six billing cycles.
VISA Classic As low as 13.50%* Annual Percentage Rate for Purchases and Cash Advances
Transaction Fee for Purchases: Average Daily Balance (including new purchases)
Grace Period for Purchases: 25 days
No Annual Fee
Application Fee $5.00
Transfer Rate – 0% APR* for six billing cycles.

Transfer Credit Card Balances & Save

Take advantage of our 0% APR* balance transfer offer and save money by transferring higher-rate credit card balances to a Choice One VISA credit card. With our lower interest rate and no or low fees, you can save money instantly.

Transfer your balance to an existing credit card by calling 1-844-700-1127.

Apply Online Balance Transfer Form

Manage Your Credit Card Account Exclusively with Virtual Branch

At Choice One, we’re streamlining your banking experience! Now, the only way to manage your Choice One VISA credit card account is through our secure and user-friendly Virtual Branch Online Banking, available 24/7. Whether you need to access your credit card statements, check recent transactions, or pay your bills, it’s all conveniently integrated into your normal Choice One Virtual Branch login. This exclusive platform ensures a seamless, efficient, and easy way to handle all your credit card account needs with just a few clicks. Embrace the simplicity and security of managing your account exclusively online with us! Tap the link below to log in to your Virtual Branch Online Banking account or click here for simple step by step instructions to enroll.

Log In

 

Or, click here to log in if you are currently not a Virtual Branch Online Banking user.

VISA Credit Card Agreement

Choice One Federal Credit Union VISA® Summary of Terms

Annual Percentage Rate for Purchases, Cash Advances, and Balance Transfers VISA Platinum 8.90% APR*
VISA Classic 13.50% APR* Balance Transfer Rate – 0% APR*
Grace Period for Purchases 25 days
Annual Fee None
Transaction Fee for purchases Average Daily Balance (including new purchases)
Application Fee $5.00

*0% VISA Balance Transfer Rate is valid for 6 billing cycles from date of transfer. Rate returns to current rate at that time. Choice One’s current Platinum Visa Credit Card Rate is 8.90% APR and Classic Visa Card is 13.50% APR with No Balance Transfer or Annual Fee. Balance Transfer offer is good on any new or existing Choice One Platinum or Classic Credit Card. 0% balance transfer rate is for balances transferred from another institution only. Transfers may not exceed the credit line a member is approved for.​

About Choice One

We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!

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