One Card, Two Reward Options

Pick between cash back or lower rate. Choose the reward that fits the way you use your card.

Our Platinum Visa is a versatile rewards card that makes shopping, travel, and many other activities very easy on you and your budget. We make our Platinum Visa even more versatile by letting you choose what reward YOU want from your credit card:

A cash back rebate of 1% of purchases - up to a $500 rebate per year - with an annual percentage rate from 8.9% to 16.9% based on your Beacon Score

OR

A 1% lower annual percentage rate ranging from 7.9% to 15.9% based on your Beacon Score

Regardless of which reward you choose, you'll receive many benefits with your Platinum Visa card:

  • No Annual Fee
  • 25-day grace period on purchases
  • Minimum monthly payment is 3% of the balance or $10, whichever is greater
  • $500,000 Travel Accident Insurance when tickets are purchased with the card.
  • Auto Rental Coverage - Reimbursement for damage due to collision or theft of most rental vehicles paid for with the card. (only pays if you don't purchase the rental company's insurance)
  • Acceptance around the world
  • Cash advances for quick funds
  • The option to skip your December payment
  • Easy transfer of other credit card balances online or by phone
  • eStatements and online account access.

FYI

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 Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard



Apply

If you are already a member feel free to complete the application below:

Rent or Own?

Alimony, child support, or separate maintenance income need not be included if you do not choose to have it considered.

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Do you rent or own?

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Co-applicant Alimony, child support, or separate maintenance income need not be included if you do not choose to have it considered.

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I Choose the Following Reward Option

By clicking the "Apply for my Platinum Visa now" button, you understand that you are applying for credit with Decatur Earthmover Credit Union and you attest that the information you have entered above to be accurate and complete. Furthermore, you authorize Decatur Earthmover Credit Union to check your employment and credit history and to obtain credit reports in connection with this application for credit.