Smarter, Member-Focused Solutions
At NCCYou, we believe your credit card should work for you-not the other way around. That’s why our credit card options are designed with your needs in mind, offering competitive rates, fewer fees, and personalized service you can count on.
Check out our Perks...
Our credit cards offer many perks that can save you money and make managing your finances easier. Lower interest rates, fewer fees, and better customer service mean you keep more of your hard-earned money.
Lower Rates, Fewer Fees
Experience the benefits of lower interest rates without the burden of annual, over-limit, or cash advance fees. This means more savings in your pocket every month, allowing you to enjoy financial freedom like never before!
Flexible Approval
We work with members from all financial backgrounds, including those building or rebuilding credit. Our team is here to help you find the right card for your goals and guide you toward financial success.
Security and Fraud Protection
CardNav adds another level of security to your cards by letting you decide how and when they can be used and alerting you when types of transactions are taking place.
Mobile and Online Control
Easily monitor your spending and make payments with ease. You can also use card controls to set alerts, set transaction limits, and freeze or unfreeze your card whenever you need.
Shop and Earn
Explore exclusive offers from local and national dining and retail merchants, earn points while booking travel, and score discounts on your favorite brands and much more!
Personalized Member Service
As a member-owned credit union, our profits go back to you in the form of better rates, improved benefits, and friendly, local service you won’t find at big banks.
VISA Credit Card Options
Whether you’re looking for a low-rate card to consolidate debt, a rewards card to earn points on spending, or a secured card to build credit, we have options tailored to your needs. Our selection includes:
VISA® Classic
- Minimum limit – $500
- Maximum limit – $15,000
- Annual fee – None
- Over limit fee – None
- Cash advance fee – None
- Late payment fee – up to $15.00
- Twenty-five-day grace period for purchases
- No grace period for cash advances
- Rewards points – earn 1 point for each $1 spent on qualifying purchases
- Member must be over 18 years old
VISA® Platinum
- Minimum limit – $2,500
- Maximum limit – $30,000
- Annual fee – None
- Over limit fee – None
- Cash advance fee – None
- Late payment fee – up to $15.00
- Twenty-five-day grace period for purchases
- No grace period for cash advances
- Rewards points – earn 1 point for each $1 spent on qualifying purchases
- Member must be over 18 years old
VISA® Secured
- Minimum limit – $500
- Maximum limit – $500
- Annual fee – None
- Over limit fee – None
- Cash advance fee – None
- Late payment fee – up to $15.00
- Twenty-five-day grace period for purchases
- No grace period for cash advances
- Rewards points – earn 1 point for each $1 spent on qualifying purchases
- Member must be over 18 years old
- Requires a refundable security deposit, which acts as your spending limit
- Helps build or re-build credit scores
VISA® Credit Builder
- Minimum limit – $500
- Maximum limit – $500
- Annual fee – None
- Over limit fee – None
- Cash advance fee – None
- Late payment fee – up to $15.00
- Twenty-five-day grace period for purchases
- No grace period for cash advances
- Rewards points – earn 1 point for each $1 spent on qualifying purchases
- Member must be over 18 years old
*APR=annual percentage rate. Which rate you receive will depend on credit application and results. Apply today!
Becoming a Cardholder is Easy
Apply online or at your local branch. Get a decision quickly-often the same day.
Have a question? Drop us a comment below.
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Your Everyday Purchases have Never Been More Rewarding!
Take advantage of our straightforward program that rewards you with points every time you use your credit card. Whether you’re buying groceries, fueling up, or paying utility bills, your everyday purchases will pay off significantly. Start maximizing your rewards today!
If you need help logging in or redeeming your points, please call Rewards Customer Service at 1-866-618-0981
Tools and Resources
How to Get Started with Credit
Learn how those without a credit history can start to build a solid credit score.
Credit versus Debit Cards
Credit and debit cards each have pros and cons. When should you use each?
Credit Scores
Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
Credit Card Minimum Payment Calculator
Credit Card Repayment Calculator
Important Numbers for Cardholders
If your VISA Credit Card is lost or stolen:
Calling from within the US: 888-241-2510
Calling from outside the US: 909-941-1398
