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Visa Credit Cards

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’re using it for daily expenses, debt consolidation, large purchases or to build credit history, a Formation Visa credit card should be in your wallet.

FCU Credit Cards

Key Features:

FCU Credit Card Icons Rewards

Points on your purchases that never expire!

FCU Credit Card Icons No Balance Transfer

No Balance Transfer or Cash Advance Fees

FCU Credit Card Icons 25 Day Interest Free

25 Day Interest-Free Grace Period on Purchases

FCU Credit Card Icons Card Rates

Card rates as low as 8% APR in comparison to the average of 13-24%

FCU Card Card Icons No Annual Fees

No Annual Fees

Key Features:

FCU Credit Card Icons Rewards

Points on your purchases that never expire!

FCU Credit Card Icons No Balance Transfer

No Balance Transfer or Cash Advance Fees

FCU Credit Card Icons 25 Day Interest Free

25 Day Interest-Free Grace Period on Purchases

FCU Credit Card Icons Card Rates

Card rates as low as 8% APR in comparison to the average of 13-24%

FCU Card Card Icons No Annual Fees

No Annual Fees

Why Do You Need a Credit Card?

Debit cards are useful, but credit cards offer more perks with every purchase and protection from unforeseen circumstances!

FCU Credit Card Icons Global

Accepted in all places

FCU Credit Card Icons Fraud Protection

Built-in fraud protection

FCU Credit Card Icons Rewards

Earn rewards with every purchase

FCU Credit Card Icons Credit Score

Build your credit score if used responsibly

PORCH PIRACY PROTECTION

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.
To learn more about this benefit or to file a claim, go to cardbenefitservices.​com or call at 1-800-628-8472.
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.

REPORT LOST OR STOLEN CARDS

To report a lost or stolen card, call us at (225) 292-8910 during business hours or call the Visa Hotline after hours at (833) 933-1681.

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.

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