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ECU Visa® Credit Cards
Features & options designed with you in mind.
Find the Best Fit for You!
Check out the great features of ECU Visa® Credit Cards!
| 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 |
| ID Navigation by Norton LifeLock | Yes | Yes | Yes | Yes |
| Travel & Emergency Assistance Service | No | Yes | No | No |
| Rewards Program | No | ECU Credit Card Rewards Points Program.3 | Cash Rewards of at least 1% of net purchases. Available in $25 increments.3 | No |
Feature Details
Platinum Preferred Rewards Program
ECU Platinum Preferred Visa cardholders earn at least one point for each dollar charged to their card (net purchases only). The points may be redeemed for merchandise, event tickets, travel, gift cards, and more. To access ECU Credit Card Rewards, login to ECU Online®, select Cards, and choose ECU Credit Card Rewards. You may also access it via ECU Mobile and the ECU Cards App. For assistance or reservations, members may call 888.209.0352. Also available to Platinum Preferred account holders is Pay With Points.
Cash Rewards Card Program
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. Cash back may be redeemed through the ECU Credit Card Rewards website; however, cardholders may contact ECU for assistance if this is not an option. To access ECU Credit Card Rewards, login to ECU Online®, select Cards, and choose ECU Credit Card Rewards. You may also access it via ECU Mobile and the ECU Cards App. Also available to Cash Rewards account holders is Pay With Points.
No Fees for a Cash Advance or Balance Transfer4
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 simple – just transfer the funds by cash advance to your personal checking using our free 24/7 online account access. Or easily submit your balance transfer request online or call 800.999.2328 with your information and ECU will process your balance transfer.
Free 24/7 Fraud Monitoring Service
ECU cardholder accounts are constantly monitored for suspicious or unusual card activity. If 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) or email address. 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 anytime and choose the appropriate menu options. To avoid the possible interruption of debit or credit card usage when traveling, place your cards in Travel Status using the ECU Cards App.
Zero Liability Card Protection
Visa's Zero Liability Card Protection covers cardholders against fraudulent transactions through the Visa system. Therefore, ECU Visa cardholders can shop online or at merchants with the comfort of knowing they are covered! Lost or stolen card? Worried about purchasing online? You’re covered! Certain restrictions apply.
ID Navigator by Norton LifeLock
Visa Credit Card holders can take advantage of complimentary Dark Web Monitoring, One-Bureau Credit Monitoring Alerts, Stolen Wallet Assist, and Restoration Assist features available through ID Navigator by Norton LifeLock. Additionally, the LifeLock Identity app helps manage your account and alerts. It provides access to special offers on more robust identity theft options, including restoration features such as the LifeLock Million Dollar Protection Package.
Travel and Emergency Assistance Service
The Travel and Emergency Assistance Service provides help 24/7 to ECU Platinum Preferred Visa cardholders, their spouse, and their children. Call 800.992.6029 for a Program Administrator’s help with referrals for medical assistance, legal counsel, transportation, cash advances, lost luggage locator service, ticket replacement, and many other services needed in an emergency. This service offers assistance with referral only; the cardholder is responsible for the cost of any goods or services provided. For more information, please refer to Visa’s Security Protection Guide.
Travel Memo Feature
Use our Travel Memo Feature to avoid the possible interruption of debit or credit card usage when you’re traveling. You may submit your request through the ECU Cards App, via ECU Online®, or by calling 800.999.2328.
1 Visa Platinum Preferred eligibility based on previous lending history.
2 Certain restrictions apply.
3 ECU Credit Card Rewards Program: For every dollar spent (purchases only), you earn at least one point towards various gift items.
4 Balance transfers and cash advances have interest charged daily even if the statement balance is paid in full by the statement due date.