VISA Classic
The perfect credit builder
For members looking to build or rebuild their credit.
For members looking to build or rebuild their credit.
Low limits
Control spending with limits as low as $500.
A student favorite
Ideal for parents to open with their student, this card is good for emergency purchases.
Discounts
Use your CAP COM VISA Credit Card to shop online or locally and receive discounts at select merchants. Find out more.
Click here to compare our cards.
eStatements
Your monthly statements are delivered online, within Connect-24, so you never have to wait for them to arrive in the mail. It is faster and more secure than paper mail and is also eco-friendly.
Digital Wallet & Mobile Payments
Pay with your smartphone, tablet or smart watch using Apple Pay and VISA Checkout, for faster, more secure shopping, in stores and online.
Member Discounts
VISA and exclusive merchant discounts are available when you shop using your CAP COM Credit Card.
Local Servicing
Have a question? Need to update or manage your card? No problem. We service all CAP COM VISA credit cards right here in the Capital Region.
Premier Relationship
CAP COM VISAs are one of the core products and services that allow you to qualify for CAP COM’s Premier member program and receive unlimited, free ATMs worldwide!
Stay Connected, 24/7
Monitor your spending, review transactions, pay your bill or dispute a transaction conveniently within your Connect-24 online banking account.
Online Shopping Security
We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions
Zero Liability
Whether you shop online or in a store, you won’t pay for unauthorized charges that appear on your card.*
No Unnecessary Fees
CAP COM will never charge an Annual Fee, Balance Transfer Fee or Cash Advance Fee.
Fixed APR
13.90% APR
Minimum Payment: 2% of current balance
Annual Fee
$0
Balance Transfer Fee
$0
Cash Advance Fees
$0
You Always Get
Zero Liability Policy helps protect you from fraudulent card transactions.
Access to your account at more than 5,000 shared branches across the country.
24/7 access to your accounts through our Online & Mobile Banking services.
*Refer to your credit card agreement for complete policy details