VISA Cards


VISA Platinum Credit Card

VISA Platinum

At Granite Credit Union you have a couple good choices. You win either way!

Special Offer

For a limited time, no matter the choice you make, you’ll get a promotional rate of 4.99% on balance transfers for 18 months.

Choice #1-VISA Platinum with Rewards

  • No annual fee
  • Low interest rate
  • 25-day grace period on all purchases
  • Get advances to pay off other higher rate credit cards
  • Earn Reward Points with every VISA purchase
    • Choose from the merchandise catalog
    • Purchase travel (airfare, hotels, rental cars, etc.) through a online portal
    • Once enrolled, you can download a browser plugin that will redirect your purchase through the “points portal” when shopping at online site vendors who offer bonus points. (e.g. if you hit Cabelas’ website and purchase through the popup window, you’ll earn 3x points on your purchase).

Choice #2-VISA Platinum with an even Lower Rate (No Reward Points)

  • No annual fee
  • Our lowest rate
  • 25-day grace period on all purchases
  • Get advance to pay off other higher rate credit cards

Apply Now

Call 801-288-3000 or toll free 1-888-428-8326.

Platinum Credit Card

Platinum VISA

Rate Type
TypeAPR
Effective Date - 10/01/2018TypeAPR
VISA Platinum Awards
Variable10.49%
VISA Platinum Low RateVariable8.99%
APR is Annual Percentage Rate. All account terms are governed by the Cardholder Agreement. Account and Agreement terms are not guaranteed for any period of time: all terms may change in accordance with the Agreement and applicable laws.

Platinum VISA – Truth In Lending Disclosure

VISA Cardholder Agreement

See details of rates, fees and other costs

All account terms are governed by the VISA Cardholder Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms may change in accordance with the Agreement and applicable laws.

View VISA Application and Solicitation Disclosure.

Apply Now

Truth in Lending Disclosure

Click “show more” below to see “VISA Platinum Rates and Charges” disclosure.

 

INTEREST RATES AND CHARGES
Annual Percentage Rate (APR) for Purchases

Visa Platinum Awards

10.49% to 18.00%
When you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.

Visa Platinum

8.99% to 18.00%
When you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers Visa Platinum Awards
4.99% Introductory APR for a period of 18 billing cycles
After that your APR will be 10.49% to 18.00% based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.Visa Platinum
4.99% Introductory APR for a period of 18 billing cycles
After that your APR will be 8.99% to 18.00% based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances Visa Platinum Awards
10.49% to 18.00% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.Visa Platinum
8.99% to 18.00% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies Visa Platinum Awards
18.00%Visa Platinum
18.00%
This APR may be applied to your account if you:
– Make a late payment

How Long will the Penalty APR Apply?
If your APRs are increased for this reason,
the Penalty APR will apply until you make six
consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

Fees

Annual Fee – None 

Balance Transfer Fee – $0.00

Cash Advance Fee – 1.50% of the amount of each cash advance ($2.00 minimum)

Foreign Transaction Fee – 1.00% of each multiple currency transaction in U.S. Dollars 0.80% of each single currency transaction in U.S. dollars

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted to your account until after 18 billing cycles.
Loss of Introductory APR: We may end your Introductory APR for balance transfers and apply to the Penalty APR if you are 60 days late in making a payment.
Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card described in this application is accurate as of October 1, 2018.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES:

Statement Copy Fee $2.00 per document
Document Copy Fee $15.00 per document
Rush Fee $30.00
Emergency Card Replacement Fee $5.00 per card
Card Replacement Fee $5.00 per card
Error Research Fee $25.00 per hour minimum of $25.00. Not charged if error occurred

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your  VISA Cardholder Agreement and VISA Disclosure Statement.

VISA Debit Card

The Granite CU VISA Debit Card (VISA Check Card)

In Step with Everywhere You Want to Be

No One Uses Cash Anymore!

Leave your checkbook at home and your cash in your wallet! Get your own VISA Debit Card from Granite Credit Union. You can use this card to make purchases and pay for services. It’s generally easier and more secure than cash! The funds are deducted directly from your checking account, giving you credit-card-type convenience without the debt or interest charges. You can even get cash back when making most purchases!

Line of Credit/Overdraft Protection

Your card can come with a line of credit for your protection. If your checking account has insufficient funds on deposit, we will advance enough money (up to your maximum credit limit) to cover any clearing items.

Accepted Worldwide

Because we partner with VISA to offer you this debit card, you can use it anywhere that VISA is accepted – which is pretty much everywhere you’re going to be. Just look for any participating merchant location that accepts VISA and you’re in business.

Get your own GCU VISA Debit Card today, and see for yourself the places it’ll take you. Simply apply online for an overdraft line of credit.

VISA Rewards

Get More From Life

Get VISA with Rewards!

Rewards

“Rewards!” is your points program where every qualifying purchase, financial service or account gets you closer to your dreams.

It’s simple. Use your Granite Credit Union VISA card, service or account that participates in “Rewards!”, and watch your points add up. When you’re ready to redeem, simply log in to your account, select your reward and order. You’ll be enjoying life’s “Rewards!” in no time.

Don’t have “Rewards!”? Log in to Online Banking and find out how you can start enjoying the benefits today.

Access Your Rewards

Please log in to Online Banking to access your VISA Rewards! or go to manage-my-rewards.com by clicking the button below.

Young family sitting on the beach under a palm tree in swimsuits, white shirts and sun hats celebrating their holiday with hands up.

VISA Gift Cards

Gift card wrapped like a christmas package with red bow and ribbon

What is a better gift than cash?

A VISA Gift Card!

“A Smart Gift Anyone Can Appreciate”

Let’s face it. Shopping for the right gift isn’t always easy. Consider giving a VISA Gift Card to those loved ones difficult to buy for. Not only will you save time, but you’ll be assured that the gift is the perfect size, the best color and the ideal brand. Everyone is happy!