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Our branches will be closed on Thursday, November 26, for Thanksgiving Click here to learn more.

As we monitor health conditions in the Capital Region and adhere to official guidance, CAP COM may experience staff shortages. We appreciate your patience if you encounter longer wait times, or if your branch has shifted to drive-thru or appointment-only services. Please check back for the most up-to-date information.

VISA Credit Cards

Your New VISA® Platinum!

It's more rewarding. In every way!

VISA Platinum

Visa Platinum Card  %APR*

Reward yourself!

Receive 5,000 bonus points when you spend $1,500 in the first 90 days!

VISA Classic

Visa Classic Card %APR*

Credit Builder!

Great for building your credit and controlling your spending with limits as low as $500!

VISA Business

Visa Business Card %APR*

Earn as you spend!

A smarter way to manage your business expenses. Find out how to earn 5,000 bonus points!

*Annual Percentage Rate. Refer to the Application and Solicitation Disclosure for complete details.

VISA Discounts

Shop with your CAP COM VISA and save.

Visa Discounts

Save money with special offers from VISA, no matter which credit card you have. Discover the discounts available to CAP COM members from national retailers, local restaurants and online shopping. Check back often as the offers change on a regular basis.

Easily manage your VISA card account online. View your balance, track purchases, make payments, request a credit-limit increase, and more! Check out this summary of popular VISA features.


Debt Consolidation Calculator

Achieve financial freedom

Debt Consolidation Calculator

A better way to manage your credit card debt is with a low-rate, fixed percentage CAP COM Credit Card. Consolidate all your credit card balances into a CAP COM loan or transfer it to your CAP COM VISA® Credit Card.

We've developed an easy-to-use Debt Consolidation calculator to help you take the first step toward financial freedom! The calculator will show you our Personal Loan options. We also offer a variety of other loans for debt consolidation. Check out this summary of other VISA features and tools.

VISA Checkout

A safe, simple and easy way to check out online!

Visa Checkout

CAP COM and VISA Checkout make shopping online more enjoyable by making it easier to complete your purchase. Just enter your username and password at checkout and you're finished. You can use it from any device, with either your CAP COM VISA credit or debit card, and, best of all, there is no need to re-enter your information every time you shop! Click here for additional information. Check out this summary of other popular VISA features.


VISA® Purchase Alerts

Greater control of your CAP COM VISA Credit or Debit Cards!

Greater control of your CAP COM VISA Credit or Debit Cards!

Help keep your Visa card secure with Purchase Alerts. You'll get real-time1 text or email alerts when you pay with your CAP COM VISA debit or credit card. You can customize your alerts based on the purchase and amount whether purchases were made online or by phone. Already have a CAP COM card? Learn steps to guard your credit card and use debit card controls.  

1. Actual time to receive alerts is dependent on wireless service and coverage in the area. Alerts service may not be available in all areas.

Transfer a Balance

Transfer a Balance

If you have a high interest rate credit card, transferring your balance to a CAP COM Credit Card could lower your rate and save you money. Whether you apply for our  % VISA Platinum Card or the  % VISA Classic, you will save money on cards that may charge 19% or even 24% interest. We never charge a balance transfer fee, which most banks build automatically into your payments. Check out this summary of other VISA features and tools.


Credit Card Safety

Tips for Protecting Your Credit Card

Credit Card Safety

No matter what credit card you have, you need to be vigilant about protecting it. Already have a CAP COM VISA? Learn how to monitor your card with Transaction Alerts and see other features.

  • Never keep your PIN number in the same location as your card.
  • Check your statement frequently to make sure all your purchases are legitimate.
  • Let us know if you are traveling out of the country or going somewhere that is out of your normal routine.
  • Notify us immediately if you lose your wallet or misplace your card.
  • Write down your credit card number and keep it with your valuable documents in your home.
  • Sign the back of your card as soon as you receive it.

Lost/Stolen card

Important Contact Information

Lost or Stolen Card

Should you need to call or write in regards to your VISA account, here are the important contacts you’ll need. If you are looking to make a payment or concerned about a lost credit card, just give us a call.

Lost or Stolen Card?
Call: (844) 228-8853

VISA® payment address:
CAP COM Federal Credit Union
P.O. Box 672051
Dallas, TX 75267-2021

All other correspondence:
CAP COM Federal Credit Union
4 Winners Circle, Albany, NY 12205


VISA® Gift Cards

Manage your gift card online.

If you have a VISA® Gift Card that was issued by CAP COM, you can manage it online. Click “Manage Card Online” to see your balance, or to replace a lost or stolen card. Sorry, we no longer offer VISA® Gift Cards.