{"id":887,"date":"2020-01-22T14:57:36","date_gmt":"2020-01-22T19:57:36","guid":{"rendered":"http:\/\/formationcu.com\/?page_id=887"},"modified":"2026-06-23T02:58:31","modified_gmt":"2026-06-23T07:58:31","slug":"credit-cards","status":"publish","type":"page","link":"https:\/\/formationcu.com\/?page_id=887","title":{"rendered":"Credit Cards"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_custom_heading text=&#8221;<strong>Visa Credit Cards<\/strong>&#8221; font_container=&#8221;tag:h1|font_size:45|text_align:center|color:%230d183a|line_height:1.2&#8243; use_theme_fonts=&#8221;yes&#8221;][vc_empty_space][vc_column_text]\n<p class=\"p2\">As a Formation member, you have access to all of the perks our low-rate credit card offers with the same close-knit relationships and service you love. Whether you\u2019re using it for daily expenses, debt consolidation, large purchases or to build credit history, a Formation Visa credit card should be in your wallet.<\/p>\n[\/vc_column_text][vc_empty_space][vc_single_image image=&#8221;3083&#8243; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1710786848250{background-color: #ededed !important;}&#8221; el_class=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][vc_column offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space][vc_custom_heading text=&#8221;Key Features:&#8221; font_container=&#8221;tag:h2|text_align:left|color:%230d183a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;3067&#8243; img_size=&#8221;80&#215;80&#8243; alignment=&#8221;right&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; link=&#8221;https:\/\/www.dreampoints.com\/&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_column_text css=&#8221;&#8221;]<span style=\"color: #0d183a;\"><a style=\"color: #0d183a;\" href=\"http:\/\/www.uchooserewards.com\" target=\"_blank\" rel=\"noopener noreferrer\">Earn Rewards!<\/a><\/span>[\/vc_column_text][vc_custom_heading text=&#8221;Points on your purchases that never expire!&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;3068&#8243; img_size=&#8221;80&#215;80&#8243; alignment=&#8221;right&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_empty_space height=&#8221;10&#8243;][vc_custom_heading text=&#8221;No Balance Transfer Fees&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;3069&#8243; img_size=&#8221;80&#215;80&#8243; alignment=&#8221;right&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_empty_space height=&#8221;10&#8243;][vc_custom_heading text=&#8221;25 Day Interest-Free Grace Period on Purchases&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;3070&#8243; img_size=&#8221;80&#215;80&#8243; alignment=&#8221;right&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_custom_heading text=&#8221;Card rates as low as 8% APR in comparison to the average of 13-24%&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;3071&#8243; img_size=&#8221;80&#215;80&#8243; alignment=&#8221;right&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_empty_space height=&#8221;10&#8243;][vc_custom_heading text=&#8221;No Annual Fees&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.vcex-button.vcex_6a63bf3276ec4:hover{background:#0d183a!important;color:#ffffff!important;}.vcex-button.vcex_6a63bf3276ec4{color:#0d183a!important;}<\/style><div class=\"vc_custom_1782201493859 wpex-clr\"><a href=\"https:\/\/www.financial-net.com\/formationcu\/lending\/InternetLoans\" class=\"vcex-button theme-button inline cta-btn vcex_6a63bf3276ec4\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Apply For A Credit Card<\/span><\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.vcex-button.vcex_6a63bf3277c00:hover{background:#0d183a!important;color:#ffffff!important;}.vcex-button.vcex_6a63bf3277c00{color:#0d183a!important;}<\/style><div class=\"vc_custom_1781769946532 wpex-clr\"><a href=\"http:\/\/formationcu.com\/credit-card-form\/\" class=\"vcex-button theme-button inline cta-btn vcex_6a63bf3277c00\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Choose New Card Design<\/span><\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.vcex-button.vcex_6a63bf3278171{background:#ffffff;color:#0d183a!important;}.vcex-button.vcex_6a63bf3278171:hover{background:#0d183a!important;color:#ffffff!important;}<\/style><div class=\"vc_custom_1765277671196 wpex-clr\"><a href=\"https:\/\/www.uchooserewards.com\/\" class=\"vcex-button theme-button inline cta-btn vcex_6a63bf3278171\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">View Rewards<\/span><\/a><\/div> [\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1710786896816{background-color: #ededed !important;}&#8221; el_class=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_column][vc_empty_space][vc_custom_heading text=&#8221;Key Features:&#8221; font_container=&#8221;tag:h2|text_align:center|color:%230d183a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;3067&#8243; img_size=&#8221;100&#215;100&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; link=&#8221;https:\/\/www.dreampoints.com\/&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<span style=\"color: #0d183a;\"><a style=\"color: #0d183a;\" href=\"http:\/\/www.scorecardrewards.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Earn Rewards!<\/a><\/span>[\/vc_column_text][vc_custom_heading text=&#8221;Points on your purchases that never expire!&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;3068&#8243; img_size=&#8221;100&#215;100&#8243; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;10&#8243;][vc_custom_heading text=&#8221;No Balance Transfer or Cash Advance Fees&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;3069&#8243; img_size=&#8221;100&#215;100&#8243; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;10&#8243;][vc_custom_heading text=&#8221;25 Day Interest-Free Grace Period on Purchases&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;3070&#8243; img_size=&#8221;100&#215;100&#8243; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;Card rates as low as 8% APR in comparison to the average of 13-24%&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;3071&#8243; img_size=&#8221;100&#215;100&#8243; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;10&#8243;][vc_custom_heading text=&#8221;No Annual Fees&#8221; font_container=&#8221;tag:p|font_size:20|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.vcex-button.vcex_6a63bf3278662:hover{background:#0d183a!important;color:#ffffff!important;}.vcex-button.vcex_6a63bf3278662{color:#0d183a!important;}<\/style><div class=\"vc_custom_1782201506713 wpex-clr\"><a href=\"https:\/\/www.financial-net.com\/formationcu\/lending\/InternetLoans\" class=\"vcex-button theme-button inline cta-btn vcex_6a63bf3278662\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Apply For A Credit Card<\/span><\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.vcex-button.vcex_6a63bf3278b70:hover{background:#0d183a!important;color:#ffffff!important;}.vcex-button.vcex_6a63bf3278b70{color:#0d183a!important;}<\/style><div class=\"vc_custom_1710450026602 wpex-clr\"><a href=\"http:\/\/formationcu.com\/credit-card-form\/\" class=\"vcex-button theme-button inline cta-btn vcex_6a63bf3278b70\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Choose New Card Design<\/span><\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.vcex-button.vcex_6a63bf327906a{background:#ffffff;color:#0d183a!important;}.vcex-button.vcex_6a63bf327906a:hover{background:#0d183a!important;color:#ffffff!important;}<\/style><div class=\"vc_custom_1765277622970 wpex-clr\"><a href=\"https:\/\/www.uchooserewards.com\/\" class=\"vcex-button theme-button inline cta-btn vcex_6a63bf327906a\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">View Rewards<\/span><\/a><\/div> [\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1710433239116{padding-top: 40px !important;padding-bottom: 40px !important;background-image: url(http:\/\/formationcu.com\/wp-content\/uploads\/2023\/12\/Formation-Navy-bg-2.png?id=2863) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;50px&#8221;][vc_custom_heading text=&#8221;Why Do You Need a Credit Card?&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23ffffff&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_empty_space]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:120px;border-bottom-width:3px;border-color:#4c9f70;\"><\/div>[vc_empty_space][vc_column_text color=&#8221;#ffffff&#8221;]\n<p class=\"p1\" style=\"text-align: center;\">Debit cards are useful, but credit cards offer more perks with every purchase and protection from unforeseen circumstances!<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;3076&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_column_text text_align=&#8221;center&#8221; color=&#8221;#ffffff&#8221;]\n<p style=\"text-align: center;\">Accepted in all places<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;3077&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_column_text text_align=&#8221;center&#8221; color=&#8221;#ffffff&#8221;]\n<p style=\"text-align: center;\">Built-in fraud protection<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;3078&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_column_text text_align=&#8221;center&#8221; color=&#8221;#ffffff&#8221;]\n<p style=\"text-align: center;\">Earn <em>rewards<\/em> with every purchase<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;3079&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_column_text text_align=&#8221;center&#8221; color=&#8221;#ffffff&#8221;]\n<p style=\"text-align: center;\">Build your credit score if used responsibly<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_column_text]\n<h3>PORCH PIRACY PROTECTION<\/h3>\n<div>When you use your covered Formation debit or credit card, your new purchases can be protected against theft from your home or other location with Theft Only Purchase Security.<\/div>\n<div><\/div>\n<div>To learn more about this benefit or to file a claim, go to\u00a0<a href=\"https:\/\/www.cardbenefitservices.com\/UserAccess\/Login?ReturnUrl=%2f\" target=\"_blank\" rel=\"noopener noreferrer\">cardbenefitservices.\u200bcom<\/a>\u00a0or call at 1-800-628-8472.<\/div>\n<div><\/div>\n<div>Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered account to secure transactions. Please refer to your Guide to Benefits for further details.<\/div>\n[\/vc_column_text][vc_column_text css=&#8221;&#8221;]\n<h3>REPORT LOST OR STOLEN CARDS<\/h3>\n<p><strong>To report a lost or stolen card, call us at\u00a0<a href=\"tel:2252928910\">(225) 292-8910<\/a>\u00a0during business hours or call the Visa Hotline after hours at <a href=\"tel:18003284557\">1-800-328-4557<\/a><\/strong><\/p>\n<p>Lobby hours are 8:30 am to 4:30 pm on Monday, Tuesday, Thursday and Friday, and from 9:00 am to 4:30 pm on Wednesday.[\/vc_column_text][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_custom_heading text=&#8221;Visa Credit Cards&#8221; font_container=&#8221;tag:h1|font_size:45|text_align:center|color:%230d183a|line_height:1.2&#8243; use_theme_fonts=&#8221;yes&#8221;][vc_empty_space][vc_column_text] As a Formation member, you have access to all of the perks our low-rate credit card offers with the same close-knit relationships and service you love. Whether you\u2019re using it for daily expenses, debt consolidation, large purchases or to build credit history, a Formation Visa credit card should be&hellip;<\/p>\n","protected":false},"author":17,"featured_media":0,"parent":8,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/no-sidebar.php","meta":{"footnotes":""},"class_list":["post-887","page","type-page","status-publish","hentry","entry","no-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Cards - Formation Credit Union<\/title>\n<meta name=\"description\" content=\"As a member, you have access to all of the perks our low-rate credit card offers with the same close-knit relationships and service you love.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/formationcu.com\/loans\/credit-cards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Cards - 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