- Locations
- Aberdeen Branch
- APG Branch
- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun — My Loan Center
- Riverside Branch
-
$0 Balance Transfer Fee*
and 0% Intro APR for 15 months* on purchases and qualified balance transfers when you open a new APGFCU Visa® Credit Card.*
After that, the variable APR will be 11.24%-17.99% APR.
To choose your new Visa and review the related Credit Card Agreements, click the button below.
Credit Cards
Let us put some color in your wallet and help you save money with great introductory and standard card rates.
Choose the APGFCU Visa card that works best for you: cash back on purchases, rewards that can be redeemed for gift cards, merchandise or travel, starter and student cards to help build your credit history, and other special card programs.
View All Visa Credit Card Rates
Apply online for your APGFCU Visa Credit Card, or visit any branch, call us at (410) 272-4000, or apply in Online Banking under Services > Apply for a Loan.
Credit Card Balance Transfer Offers
Transfer balances from higher-rate cards and loans to your APGFCU Credit Card.
Learn more about offers for:
Compare APGFCU Credit Cards
Find the card that works best for you!
More Visa Options
Classroom Supply Visa® Credit Card
APGFCU is proud to offer the Classroom Supply Visa® Credit Card with a great, low rate to help educators with out-of-pocket classroom expenses.
Product Features
- Very low, variable annual percentage rate
- No annual fee
- Credit limits up to $1,0003
- Zero liability for fraudulent charges
Business Visa Credit Card
Get the purchasing power and savings your business needs.
Features
- Improve cash flow with revolving credit line
- Pay bills conveniently – no more check writing
- Pay for ongoing expenses with a credit limit up to $30,0003
- Simplify tax time with separate business records
- Free additional cards for authorized users / employees
- Automated payments
Visa UChoose Rewards®
With our Visa Credit Cards and UChoose Rewards, you can reward yourself with great merchandise, gift cards, travel excursions, event tickets, and activities. Watch the video on right to learn more.
UChoose Rewards Benefits are for Visa Platinum Preferred Rewards, Visa Platinum Preferred Student or Starter, Visa Platinum Share Secured, Visa Money Market Secured:
- 1,000 points when you sign up
- 1,500 points to thank you for your first purchase
- 1 point earned for every dollar spent on purchases
- Extra points with participating retailers.
Visa Merchant Discounts
Enjoy exclusive merchant discounts and special offers when you use your APGFCU Visa card. View current offers.
Visa® Bill Pay
Pay your bills the fast and easy way with your APGFCU Visa Card
From cable and phone to insurance and even your gym membership, paying your bills is faster and easier than ever using your APGFCU Visa Card. Plus, if you have an APGFCU Cash Back or Visa Platinum Preferred Rewards Card, you'll earn rewards on your payments.
Here's how to use Visa Bill Pay
- Contact your billers. More of them accept Visa than ever before.
- Pay bills one at a time or set up automatic payments to help avoid late fees. It's easy to save your payment info with billers and in many cases, we can update it automatically when your card is re-issued. 4
- Relax knowing your bills are paid on time.
It's simple, more reliable than the mail, and it gives you enhanced fraud protection with Visa's Zero Liability Policy.
Get in Touch for More Information
Visa Card Disclosures
*This 0% introductory APR offer is for the Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards.
The 0% introductory APR is for 15 months (billing cycles) on purchases and qualified balance transfers. After that, the variable APR will be 11.24% -17.99% APR. The variable APR will vary based on the Prime Rate.
Balance transfers must be submitted within the first 90 calendar days from account opening to qualify for the 0% introductory APR offer. There is no balance transfer fee for all balance transfer requests submitted and posted within the first 90 calendar days. There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR.
1APR = Annual Percentage Rate. Membership eligibility applies. Subject to credit approval. Your APR is based on your creditworthiness and not all applicants will qualify for the lowest rate. The APR will vary with the market based on the Prime Rate reported within the Wall Street Journal on the first business day of each month.
Variable APRs Based on Prime: For our variable rate cards, your Annual Percentage Rate is based on the U.S. Prime Rate (“Prime Rate”). Your Annual Percentage Rate will equal the Prime Rate plus a margin. If the Prime Rate increases, it will cause the Annual Percentage Rate to increase. If the Prime Rate decreases, it will cause the Annual Percentage Rate to decrease. Your FINANCE CHARGE for every $1.00 in your daily balance may increase if the Prime Rate rises and will decrease if the Prime Rate falls. For example, a change in the Prime Rate of one percentage point will result in a one percentage point change in the same direction in your Annual Percentage Rate with a corresponding change in your daily periodic rate. For each billing period, we use the Prime Rate published in The Wall Street Journal on the first business day of each month. If the Prime Rate causes an Annual Percentage Rate to change, we put the new Annual Percentage Rate into effect as of the first day of the billing period following the month in which the Prime Rate changed. We apply the new Annual Percentage Rate to any existing balance, subject to any promotional rates that may apply.
For Cash Back, Platinum Preferred Student/Starter, Platinum Preferred and Platinum Preferred Rewards VISA cards, the margin is determined based on an evaluation of each member’s credit history. The margins will range from 5.74% to 14.24% based on product type. For the Classroom Supply VISA, the margin is 0.00%. For the Share Secured and the Money Market Share Secured VISA cards, the margin is 1.00%.
21.5% Cash Back awards earned for each one dollar ($1.00) spent of all new retail purchases less credits, returns and adjustments charged in a statement period. Cash Back awards will only be paid for credit card accounts in good standing and will be posted to the primary card member’s regular share account on the next business day following the end of the credit card statement period.
3Credit approval required and you must use your new Visa card at least once to receive the 2,500 welcome and first card use bonus points.
4Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.