NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA® FIFA WORLD CUP 2026™ SWEEPSTAKES®. Open only to legal 50 U.S./D.C. & PR residents who are 18 or older (or the age of majority in their place of residence, whichever is older) as of 2/1/26. Void in all other U.S. territories and possessions and where prohibited. Begins at 12:00 AM PT on 2/1/26 and ends at 11:59 PM PT on 3/31/26 (“Promotion Period”). TO ENTER: 1) Automatic Entry: An eligible Visa cardholder will automatically receive one (1) Sweepstakes entry for each qualifying Visa purchase made with his/her/their participating bank or financial organization’s eligible Visa card during the Promotion Period at a merchant location in the U.S. and processed through Visa’s transaction-processing system. The value of the transaction will not increase or decrease your chances of winning a prize. Only eligible Visa cards can receive automatic entries (for a list of participating bank or financial organization’s eligible Visa cards, visit visa.com/tournamentsweeps2026). PIN-based and ATM transactions are not eligible. Automatic entries must be made by 11:59 PM PT on 3/31/26. 2) To Enter by Mail Without Purchase or Obligation: Hand-print your name, street address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), and email address, on plain 3" x 5" paper, and mail it in a #10 envelope with sufficient postage affixed, to: Visa FIFA World Cup 2026™ Sweepstakes, P.O. Box 7656, Melville, NY 11775-7656. Mailed entries must be postmarked between 2/1/26 and 3/31/26, and received by 4/8/26. Enter as often as you wish; however, each mailed entry will count as one (1) entry into the random drawing and must be mailed in a separate postmarked-and-stamped envelope. Mechanical reproductions prohibited. PRIZES: One (1) Grand Prize: One (1) FIFA World Cup 2026™ Final Match package consisting of a 5-day/4-night trip departing on 7/16/26 and returning on 7/20/26 for two (2) people (winner and one (1) guest) to the New York/New Jersey area to attend the FIFA World Cup 2026™ Final Match on 7/19/26 at New York New Jersey Stadium in East Rutherford, NJ. Prize includes two (2) tickets to attend the FIFA World Cup 2026™ Final Match (seats to be determined by Sponsor in its sole and absolute discretion), round-trip economy class air transportation for two (2) people from a major gateway airport nearest the winner’s home to/from a New York/New Jersey area airport, transportation to/from airport and hotel and the FIFA World Cup 2026™ Final Match and any scheduled activities, a 4-night stay including breakfast daily (one (1) standard room, double occupancy) at a New York/New Jersey area hotel designated by Sponsor, one (1) group activity/cultural experience to be designated by Sponsor, Sponsor-specified FIFA-themed gifts/amenities for winner and guest, and one (1) $600 Visa Prepaid Product (for winner only; all terms and conditions apply to Visa Prepaid Product). In addition to the aforementioned prize, $10,000 cash will be awarded in the form of a check to winner (collectively, the “Grand Prize”). ARV of Grand Prize: $34,359. One (1) First Prize: One (1) FIFA World Cup 2026™ Semi-Final Match package consisting of a 5-day/4-night trip departing on 7/13/26 and returning on 7/17/26 for two (2) people (winner and one (1) guest) to the FIFA World Cup 2026™ Semi-Final Match on 7/15/26 at Atlanta Stadium in Atlanta, GA. Prize includes two (2) tickets to attend the FIFA World Cup 2026™Semi-Final Match (seats to be determined by Sponsor in its sole and absolute discretion), round-trip economy class air transportation for two (2) people from a major gateway airport nearest the winner’s home to/from an Atlanta-area airport designated by Sponsor, transportation to/from airport and hotel and the FIFA World Cup 2026™ Semi-Final Match and any scheduled activities, a 4-night stay including breakfast daily (one (1) standard room, double occupancy) at an Atlanta-area hotel designated by Sponsor, one (1) group activity/cultural experience to be designated by Sponsor, Sponsor-specified FIFA-themed gifts/amenities for winner and guest, and one (1) $600 Visa Prepaid Product (for winner only; all terms and conditions apply to Visa Prepaid Product). In addition to the aforementioned prize, $7,000 cash will be awarded in the form of a check to winner (collectively, the “First Prize”). ARV of First Prize: $25,459. One (1) Second Prize: One (1) FIFA World Cup 2026™ Quarter-Final Match package consisting of a 5-day/4-night trip departing on 7/7/26 and returning on 7/11/26 for two (2) people (winner and one (1) guest) to the FIFA World Cup 2026™ Quarter-Final Match on 7/10/26 at Los Angeles Stadium in Los Angeles, CA. Prize includes two (2) tickets to attend the FIFA World Cup 2026™ Quarter-Final Match (seats to be determined by Sponsor in its sole and absolute discretion), round-trip economy class air transportation for two (2) people from a major gateway airport nearest the winner’s home to/from a Los Angeles-area airport designated by Sponsor, transportation to/from airport and hotel and the FIFA World Cup 2026™ Quarter-Final Match and any scheduled activities, a 4-night stay including breakfast daily (one (1) standard room, double occupancy) at a Los Angeles-area hotel designated by Sponsor, one (1) group activity/cultural experience to be designated by Sponsor, Sponsor-specified FIFA-themed gifts/amenities for winner and guest, and one (1) $600 Visa Prepaid Product (for winner only; all terms and conditions apply to Visa Prepaid Product). In addition to the aforementioned prize, $5,000 cash will be awarded in the form of a check to winner (collectively, the “Second Prize”). ARV of Second Prize: $17,059. Total ARV of all prizes: $76,877. Prize details are at Sponsor’s discretion. Limit one (1) prize per household. Unclaimed prizes will not be awarded. ODDS: Estimated odds of winning the Grand Prize are 1 in 150,097,302; estimated odds of winning the First Prize are 1 in 150,097,302; Estimated odds of winning the Second Prize are 1 in 150,097,302; however, the actual odds of winning a prize depend upon the total number of eligible entries received. Sweepstakes subject to complete Official Rules. For complete details, see Official Rules available at visa.com/tournamentsweeps2026. SPONSOR: Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999. Not sponsored by Fédération Internationale de Football Association.

^‡To be eligible for the $200 bonus offer, you must make $1,000 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash equivalents (e.g., money orders, gift cards, prepaid cards). Please allow up to 45 days after the 90-day period for the $200 to post to your account as a statement credit. This bonus offer does not change your obligation to make the minimum monthly payment. Account must be open and not in default at the time the credit is scheduled to post to your account. Limit of one promotional offer at account opening. Offer not available to previous cardmembers who received a bonus in the past 12 months. APGFCU reserves the right to change or end this offer at any time without notice. Offer valid for accounts applied for on or after 01/01/2026.

*0% introductory APR for 15 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 and Platinum Preferred Rewards Visa cards. Conditions apply. For purchases and balance transfers completed after the 90th calendar day, your APR will be 12.49%-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. For Variable APR credit cards, 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 APR based on your credit card product.

This introductory APR offer is for new Visa cardmember accounts opened 01/01/2026 – 03/31/2026.

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. For Variable APR credit cards, 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 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.

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 be paid monthly for credit card accounts in good standing only.

³Credit 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. U Earn Rewards points are earned using your APGFCU Visa Rewards Card for qualified purchase transactions. Qualified purchase transactions include Signature and PIN (POS) purchases. Earned U Earn 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 U Earn Rewards Accounts are open and in good standing. Points cannot be redeemed until they are credited to your U Earn Rewards Account. Points may not be redeemed for cash. All points must be redeemed using the U Earn Rewards program website. Enroll and access your U Earn Rewards account through APGFCU’s online banking service. Visit www.apgfcu.com/rewards to learn more. Once enrolled in the U Earn Rewards program, click the “Terms and Conditions” link within the U Earn Rewards website for additional program details. The U Earn Rewards program is not an affiliate of APGFCU. All names and logos are trademarks and registered trademarks of their respective owners. Copyright ©2026 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.

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