Please be aware of fraudsters contacting members unexpectedly via a phone call, text or email pretending to be APGFCU fraud detection employees.
If you receive a suspicious unsolicited call, email or text appearing to be from APGFCU and requesting information:
APGFCU® has the perfect Visa® credit card for all your financing needs. Choose from cash back on purchases, rewards that can be redeemed for merchandise or travel, starter and student cards to help build your credit history, and other special card programs.
Credit Card Pay Off Calculator
Balance Transfer Offers
New Cardmember Offer:
For accounts opened09/05/2023 to 12/31/2023
Existing Cardmember Offer:
Existing Cardmember Offer
Current Interest Rate
Variable APR1 as low as
16.49% - 17.99%†
†See credit card rates and terms, disclosures, and card agreements.
15.74% - 17.99%†
†See credit card rates and terms, disclosures, and card agreements
14.24% - 17.99%†
17.99% - 17.99%†
5.30% - 5.35%†
Your APGFCU Visa Credit Card comes with more than just great spending power. There are a host of benefits available to you as a card member.
Click link for details concerning each benefit as well as all terms and conditions.
Benefits, Terms and Conditions subject to change.
Add your APGFCU® Visa® credit and debit card information to the mobile wallet app of your choice for a faster, easier and secure way to pay. You can be confident knowing your purchases carry the same fraud protections as your physical card.
If you have questions about mobile wallets, please contact us at 800-225-2555 or [email protected].
Your experience with mobile wallets may vary by the type of mobile wallet application, the electronic device you’re using, and the merchant’s point-of-sale terminal authentication process. Some merchants may require a PIN or device number to complete your secured mobile wallet transaction.
Message and data rates may apply. Contact your mobile carrier for details.
Monitor and manage your credit and debit cards with APGFCU's mobile app.
To use APGFCU Card Manager, select "Cards" in the main menu of the APGFCU Mobile App. You will be directed to download our APGFCU Card Manager companion app. After downloading, you can select "Cards" in the APGFCU Mobile App at any time and it will launch the Card Manager app.
Don't have Online and Mobile Banking?
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.
It's simple, more reliable than the mail, and it gives you enhanced fraud protection with Visa's Zero Liability Policy.6
For more information or help with an existing APGFCU Visa Credit Card...
*0% introductory APR for 18 months from the date of account opening for purchases and balance transfers that have been submitted to your account within the 90th calendar day from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards, Platinum Preferred Student/Starter, and Business Cash Back Visa cards. Conditions apply. For purchases and balance transfers completed after the 90th calendar day, your APR will be 14.24%-17.99% based on your credit card product type, standard purchase and cash advance rates, and your creditworthiness at the time you opened your credit card account. The standard APR will vary with the market based on the Prime Rate.There is a 3% introductory balance transfer fee for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. 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.This introductory APR offer is for new Visa cardmember accounts opened 09/05/2023 – 12/31/2023.
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 spend at least $2,500 in purchases within the first 90 days from your account open date to receive the 30,000 bonus points. Credit approval is required and you must spend at least $2,500 in purchases within the first 90 days from your account open date to receive the 30,000 bonus points. uChoose Rewards points are earned using your APGFCU Visa Platinum Preferred Rewards Card for qualified purchase transactions. Qualified purchase transactions include Signature and PIN (POS) purchases. Earned uChoose Rewards points are based on net purchases only and do not include cash advances, balance transfers, ATM transactions, or wire transfers. They also do not include any fees posted to your credit card account, including (but not limited to) late fees, over-limit fees, and finance charges. Points will be earned and redeemable only if your APGFCU Visa Rewards and uChoose Rewards Accounts are open and in good standing. Points cannot be redeemed until they are credited to your uChoose Rewards Account. Points may not be redeemed for cash. All points must be redeemed using the uChoose Rewards program website. Enroll and access your uChoose Rewards account through APGFCU’s online banking service. Visit www.apgfcu.com/uchooserewards to learn more. Once enrolled within the uChoose Rewards program, click the “Terms and Conditions” link within the uChoose Rewards website for additional program details. The uChoose Rewards program is not an affiliate of APGFCU. All names and logos are trademarks and registered trademarks of their respective owners. uChoose Rewards is a registered trademark of Fiserv, Inc. Copyright ©2023 APGFCU. All Rights Reserved. Other restrictions may apply.
4For educators only.
5Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.
6Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Click here for more information on Visa's Zero Liability Policy.
Revised Billing Error Notice