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Smart credit for the things you need

Visa Platinum

For members with good credit who want to earn rewards for their purchases.


Cash Back Rewards

Earn 1 point for every $1 you spend. Your points are updated daily. Redeem them for cash, gift cards, merchandise or travel. Visit Rewards! to learn more and how to check your balance.


Bonus Rewards

Spend just $1,500 in the first 90 days that you have your card, and you’ll earn 5,000 bonus Rewards! points.



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.

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EMV Protection

Your card is protected with the enhanced security of EMV microchip technology.



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

 % APR1

Minimum Payment: 2% of current balance

Annual Fee


Balance Transfer Fee


Cash Advance Fees


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.

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