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    ECU Credit Cards

    Features & options designed with you in mind. Find the best fit for you.

    Check out the great features ECU Visa® Credit Cards offer below:


    Features Classic Platinum Preferred1 Cash Rewards Secure
    Minimum Limit $500 $2,500 $1,000 $300
    Annual Fee $0 $0 $0 $0
    Balance Transfer Fee $0 $0 $0 $0
    Online Cash Advance Availability Yes Yes Yes Yes
    Free 24/7 Internet Account Access Yes Yes Yes Yes
    Free Electronic Payment Feature Yes Yes Yes Yes
    Free 24/7 Fraud Monitoring Service Yes Yes Yes Yes
    Zero Liability Fraud Protection2 Yes Yes Yes Yes
    Auto Rental Collision Damage Waiver Program Yes Yes Yes Yes
    Warranty Manager Service No Yes No No
    Travel & Emergency Assistance Service No Yes No No
    Rewards Program No ECU Credit Card Rewards Points Program3 Cash Rewards of at least 1% of net purchases. Available in $25 increments.3 No
    Concierge Service No Yes No No

    1Visa Platinum Preferred eligibility based on previous lending history. 2Certain restrictions apply. 3 ECU Credit Card Rewards Program - For every dollar spent (purchases only), you earn at least one point towards various gift items.

    Feature Details

    Platinum Preferred Rewards Program

    This program allows ECU Platinum Preferred cardholders to earn at least one point for net purchases made using their credit card.  The points may be cashed in at the cardholder’s convenience for merchandise, airline tickets, or other travel discounts. Members may call 888.209.0352 or go to ECU Credit Card Rewards  for assistance or reservations.

    Cash Rewards Card Program

    With the ECU Cash Rewards Visa, cardholders earn at least 1% cash back for every dollar spent (net purchases only). The minimum redemption amount is $25 and all redemptions will be paid in increments of $25. Redemption of money through Dreampoints is online only; however, cardholder may contact ECU for assistance if this is not an option.

    No Fees for a Cash Advance or Balance Transfer1

    ECU Visa cardholders may get cash advances using their ECU card at ATM machines, Merchant Bank locations, and online banking at no additional cost. Cash advances are easy! Members may simply transfer the funds by cash advance to their personal checking using our free 24/7 Internet account access. Balance transfers are processed by ECU.  It's simple to call in with your information or submit your balance transfer online.  

    Free 24/7 Fraud Monitoring Service

    ECU cardholder accounts are constantly monitored for suspicious or unusual card activity. In the event this type of activity is identified, ECU's fraud service will attempt to contact the member using the available phone numbers (ex. cell, home, work). If they are unable to contact the member, the card may be temporarily blocked until the transaction(s) can be verified as legitimate. If the transaction is found to be fraudulent, the card will be blocked immediately. For assistance regarding a blocked card or to report a lost or stolen card, call 800.999.2328 or 423.229.8200 anytime and choose the appropriate menu options. To avoid the possible interruption of debit or credit card usage, please notify ECU before traveling.

    Zero Liability Card Protection

    Visa's Zero Liability has cardholders covered against transactions that occur through the Visa system that are fraudulent. Therefore, ECU Visa cardholders can shop online or at merchants with comfort in knowing they are covered! Lost or stolen card? Worried about purchasing online? You’re covered! Certain restrictions apply. Visit Visa's website for more information.

    Auto Rental Collision Damage Waiver Program

    ECU cardholders have coverage against collision or theft up to the actual cash value of most rental vehicles when certain terms and conditions are met. You must use your ECU Visa card to completely pay for the rental of the automobile and the insurance offered by the rental agency must be declined. Please refer to the Benefit Guide provided by Visa for more information. To report an accident or if your rental vehicle has been stolen, please call (800) VISA911.

    Warranty Manager Services

    This service provides ECU cardholders with peace of mind about their purchases and is available to Platinum Preferred cardholders. Warranty Registration, Extended Warranty Protection, and Performance Guarantee are provided with this program. There are limitations to this service and some features may cost the cardholder a nominal fee. Please refer to the Security Protection Guide provided by Visa for more information. For claims, questions, or registration please call 800.551.8472 or click here. If outside the U.S., call collect at 0.410.581.9994.

    Travel and Emergency Assistance Service

    Travel and Emergency Assistance Service provides help when you need it and is available to Platinum Preferred cardholders. This service provides assistance 24 hours a day, 7 days a week for the cardholder, his or her spouse, and their children. By calling 800.992.6029, a Program Administrator will assist the cardholder or family member with referrals for medical assistance, legal council, transportation, cash advances, lost luggage locator service, ticket replacement, and many other services needed in an emergency situation. This service provides assistance and referral only. The cardholder is responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Refer to the Security Protection Guide provided by Visa for more information.

    Concierge Service

    Platinum Preferred cardholders can enjoy privileges and conveniences like those found at fine hotels, right from their own home, office or travel destination. The service includes: Limousine reservations and “Meet and Greet” services, global dining referral and reservations, golf course information and reservations, performance and special events information and reservations, business-related research, and flower and gift delivery. Members may call 877.860.1099 for more information.

    Travel Memo Feature

    If you are going to be traveling, you'll want to use our Travel Memo Feature available under Secure Forms, which can be accessed by logging into ECU Online or in the ECU Mobile Cards App . To avoid the possible interruption of debit or credit card usage while traveling away from home, please notify ECU before traveling. You may submit the Travel Memo online or call 800.999.2328 during business hours.

    1Balance transfers and cash advances do have a daily interest rate (interest will be added daily even if the balance is paid in full by the statement due date).

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