Minimum Payment Trap
Unless you want to owe way more than you originally spent, resist making only the minimum card payment.
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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
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
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).
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.
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
Fixed Rate for Platinum
Yes
Fixed Rate for Classic
Yes
Fixed Rate for Classic Secured
Yes
Annual Percentage Rate
Annual Percentage Rate for Platinum
9.90% APR1
Annual Percentage Rate for Classic
13.90% APR1
Annual Percentage Rate for Classic Secured
13.90% APR1
Credit Limit
Credit Limit for Platinum
$1,000-$25,000
Credit Limit for Classic
$500-$15,000
Credit Limit for Classic Secured
$500-$15,000
Annual Fee
Annual Fee for Platinum
No
Annual Fee for Classic
No
Annual Fee for Classic Secured
No
Balance Transfer Fee
Balance Transfer Fee for Platinum
No
Balance Transfer Fee for Classic
No
Balance Transfer Fee for Classic Secured
No
Cash Advance Fee
Cash Advance Fee for Platinum
No
Cash Advance Fee for Classic
No
Cash Advance Fee for Classic Secured
No
Foreign Transaction Fee
Foreign Transaction Fee for Platinum
No
Foreign Transaction Fee for Classic
No
Foreign Transaction Fee for Classic Secured
No
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.
Traveling soon? Notify us about your plans, so your card purchases don't get flagged for fraud.
Keep an eye on your card by creating text or email alerts to track transactions, get payment reminders, and more!
Securely access your VISA account online, view transactions and manage your settings no matter where you are.
Digital Wallet
Add your CAP COM Credit Card to your mobile device for a more convenient and secure shopping experience.
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.
| Platinum With Rewards | Classic Card | Secured Card |
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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.
| Platinum With Rewards | Classic Card | Secured Card |
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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
| Platinum With Rewards | Classic Card | Secured Card |
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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)
| Platinum With Rewards | Classic Card | Secured Card |
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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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This benefit provides coverage for the damage or theft of your cell phone. You must have purchased your cellular wireless telephone/plan with your CAP COM credit card on or after March 27, 2017, and you pay your cellular wireless telephone bill with a CAP COM credit card. Refer to the program guide for a list of excluded items. Call the Benefit Administrator at 1-866-894-8569 or outside the U.S. collect at 1-303-967-1096 within 60 days of the damage/theft of the cell phone.
| 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
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.
Learning Center
Bank Well, Live Well
Simplify your finances and enhance your life. Make the most of every CAP COM benefit.
Our low-rate personal loan can help you cover unexpected expenses, update your living spaces, pay off higher-rate debt -- and more!
Your personal branch is open 24/7 when you bank with our mobile app. See balances, make transfers, pay bills, and more.
Choose our Business VISA® for its low fixed rate, limits by user, and rewards to redeem for cash or purchases.
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APR = Annual Percentage Rate. Refer to the Application and Solicitation Disclosure for complete details. Some restrictions apply.
