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Credit Cards

Low fixed rate, no annual fee.

Lock in a low, fixed interest rate and check out some of the other benefits you get with your Visa® Platinum Rewards or Classic credit card.

  • No annual, balance transfer, or cash advance fee
  • Discounts at participating retailers
  • Travel perks on auto rentals, baggage delays
  • 24/7 fraud monitoring, zero liability
     

Apply Now

When you apply, an application review determines which type of card you may be eligible to receive. Each card offers certain advantages with some benefits shared across all credit cards.


Credit Cards We Offer

Platinum

Classic

Classic Secured

Platinum

Earn Rewards

Get paid to shop with Rewards! Earn 1 point for every dollar on purchases. Redeem points for cash & more. Bonus: Get 5,000 points on $1,500 card purchases in first 90 days ($50 value).

Classic

Build Your Credit

Is your credit score less than ideal? Our low fixed-rate Classic card is an excellent alternative to a higher-rate card or a variable-rate card with rates that could increase.

Classic Secured

Just Starting Out

If you're just starting out or trying to rebuild your credit, our Secured card is a good fit. This card is 'secured' by your cash so you can build your credit.

Fixed Rate

Yes

Yes

Yes

Annual Percentage Rate

9.90% APR1

13.90% APR1

13.90% APR1

Credit Limit

$1,000-$30,000

$500-$15,000

$500-$15,000

Annual Fee

No

No

No

Balance Transfer Fee

No

No

No

Cash Advance Fee

No

No

No

Foreign Transaction Fee

Exchange Rate + 1% of Transaction

Exchange Rate + 1% of Transaction

Exchange Rate + 1% of Transaction

Apply Now

When you apply, an application review determines which type of card you may be eligible to receive. Each card offers certain advantages with some benefits shared across all credit cards.

Manage VISA Credit Card

Log in to your online account or launch the CAP COM mobile app to track activity, transfer a balance, request a credit increase, etc.

Travel Notification

Traveling soon? Notify us about your plans, so your card purchases don't get flagged for fraud.

See the Steps

Alerts

Keep an eye on your card by creating text or email alerts to track transactions, get payment reminders, and more!

Learn more

Do More, Anywhere

Securely access your VISA account online, view transactions and manage your settings no matter where you are.

Find out how


Digital Wallet

Add your CAP COM Credit Card to your mobile device for a more convenient and secure shopping experience.

Learn More


Benefits

Access special discounts offered at participating merchants. Learn more.

Platinum With Rewards Classic Card Secured Card
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Covers damage due to a collision or theft on your auto rental when you pay in full for your rental with your card.
For assistance, call (800) 348-8472 in the U.S. or call (804) 673-1164 outside the U.S.

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If your baggage is delayed, this insurance covers the cost of emergency purchases of essential items needed while on your trip.
For assistance, call (877) 257-8152 in the U.S. or call (804) 281-5790 outside the U.S.

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Accidental death and dismemberment insurance is for primary cardholders and immediate family members when travel tickets are purchased with a CAP COM credit card. Tickets must be for scheduled travel via an airline, land or water conveyance licensed for transportation of passengers for hire.

For details or to redeem this benefit, contact the Plan Administrator in writing:
CBSI Card Benefit Services
550 Mamaroneck Ave, Suite 309
Harrison, NY 10528

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Roadside assistance 24/7 for a reduced fee is available to CAP COM credit cardholders. To request service and inquire about the current fee, call (800) 847-2869. This benefit includes:
• Towing (up to 5 miles)
• Tire change
• Jump start
• Lockout service
• Fuel delivery (up to 5 gallons)
• Winching (removing a stuck vehicle)

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If you are dissatisfied with an item you purchased with a CAP COM Platinum credit card, and the retailer refuses to accept the return, this benefit provides reimbursement. To use this benefit, call (888) 565-8472 within 90 days of the purchase.

Platinum With Rewards Classic Card Secured Card
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Pay your monthly mobile phone bill with your card and get supplemental reimbursement coverage if the phone is damaged or stolen. For assistance, call (866) 894-8569 in the U.S. or call (303) 967-1096 outside the U.S.

Platinum With Rewards Classic Card Secured Card
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24-hour assistance for medical, legal, and emergency services needed while traveling, as well as pre-trip assistance. Call (800) 992-6029 in the U.S. If outside the U.S., call (804) 673-1675.

Platinum With Rewards Classic Card Secured Card
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Replaces, repairs, or reimburses you for eligible items purchased with your card in the event of theft or damage. Call (800) 848-1943, if you are outside the US, call (303) 967-1096.

Platinum With Rewards Classic Card Secured Card
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Extends the manufacturer’s warranty. For assistance, call (800) 848-1943.

Platinum With Rewards Classic Card Secured Card
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Consult the Guide to Benefits for the detailed terms and conditions for each card feature listed above.

Platinum with Rewards
Guide to Benefits
Classic Card
Guide to Benefits
Secure Card
Guide to Benefits

 

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

Apply Now

When you apply, an application review determines which type of card you may be eligible to receive. Each card offers certain advantages with some benefits shared across all credit cards.

Bank Well Live Well

Simplify your finances and enhance your life. Make the most of every CAP COM benefit.

LoanXpress

LoanXpress makes it easy to get the money you need without going through the usual application process.

See How

Get Our Mobile App

Your personal branch is open 24/7 when you bank with our mobile app. See balances, make transfers, pay bills, and more.

Bank On The Go

Business Credit Card

Choose our Business VISA® for its low fixed rate, limits by user, and rewards to redeem for cash or purchases.

Explore Card Benefits

  1. APR = Annual Percentage Rate. Refer to the Application and Solicitation Disclosure for complete details. Some restrictions apply.