Credit Cards

VISA Credit Cards at low rates to suit your needs and budget.

When you want the easiest way to pay for what you need, put a U. S. Postal Service Federal Credit Union VISA® Credit Card in your wallet today. We offer three types of cards —

  • VISA Platinum Rewards
  • VISA Platinum
  • VISA Secured - Our secured card is used to build or repair credit while securing funds in your savings account.

VISA Platinum Rewards = Make a purchase. Earn points. Choose your rewards. Enjoy!VISA Rewards

Use your Platinum Rewards Credit Card for all of your purchases and you'll be on your way toward earning rewards. Your points will begin to add up quickly! You will earn one point for every $1.00 spent in eligible purchases.

Redeem Your Points For:

1.6% Cash Back | Travel | Gift Cards | Donations to Charities | Merchandise | Green Products and More...

Promotion: From November 1 - December 31, 2019, earn double points when you use your Rewards! card.* Boost your points with everyday purchases like gas and groceries...as well as holiday shopping and celebrating.

* Qualifying transactions must be purchase transactions and earn at least one point between November 1, 2019 and December 31, 2019. Balance transfers, refunds/reversals, fees, cash advances and ATM transactions do not qualify. Account must be open through February 29, 2020 to earn rewards. Bonus points will be awarded by February 29, 2020. Gift cards are not sponsors or co-sponsors of this promotion.

Our cards are valid worldwide, everywhere that accepts VISA Credit Cards. You can even use our VISA Credit Cards at thousands of ATMs worldwide when you need extra cash. Add the convenience of our great, low rates and our cards are hard to beat! Available points, redemption information and a full selection of rewards can be viewed after registering your USPS FCU Platinum Rewards Credit Card. Rewards! is our way of saying thank you for choosing USPS FCU as your partner in providing financial solutions. Use your USPS FCU Platinum Credit Card for all your purchases and redeem your points for what you want….when you want! Plus, you can manage your rewards right from your mobile phone. Click here to learn how!

Verified by VISATake advantage of Verified by Visa, an easy way to enjoy added security for all your online Visa card purchases. This service is free to VISA cardholders.

Apply Today to get your USPS FCU Credit Card!

You must be a member in order to apply for a loanor be click here to find out if you are eligible for membership.  

*The online application is not fully functional for Samsung mobile phone users. Please do not use the online application. It will be available for Samsung mobile phones within the next few weeks. Thank you for your patience!

Which card is the best for you?

Card Benefits VISA Platinum Rewards or Visa Secured VISA Platinum or Visa Secured

Annual Percentage Rate (APR) for Purchases & Balance Transfers

0.00% Introductory offer for the first 12 billing cycles that your account is opened.

After that, As low as 10.40% depending on your credit history. This APR will vary with the index based on the Prime Rate*. Rate will never exceed 18.00%.

0.00% Introductory offer for the first 12 billing cycles that your account is opened.

After that, As low as 9.49% depending on your credit history. This APR will vary with the index based on the Prime Rate*. Rate will never exceed 18.00%.

Annual Percentage Rate for Cash Advances 

As low as 10.40% depending on your credit history. This APR will vary with the index based on the Prime Rate*. Rate will never exceed 18.00%.

As low as 9.49% depending on your credit history. This APR will vary with the index based on the Prime Rate*. Rate will never exceed 18.00%.

Platinum Rewards Program X
No Annual Fee X X
No Foreign Transaction Fee X X
No Minimum Finance Charge X X
25-Day Grace Period On Purchases X X
Common Carrier Travel Accident Insurance $1,000,000 $1,000,000
Credit Line $500-$35,000 $500-$35,000
Baggage Delay Insurance X X
Auto Rental CDW (Collision Damage Waiver) X X
Cell Phone Protection X X

Additional Card Benefits Include: Roadside Dispatch, Travel and Emergency Services, Purchase Security and Extended Protection, Return Protection, Extended Warranty, Emergency Cardholder Services and Year-End Summary of Charges. 

For questions or assistance regarding USPS FCU VISA benefits, call the toll-free phone number on the back of your USPS FCU VISA card, or 1-800-VISA-911.

*View our Visa Terms and Agreement for more important details. Call 800-877-7328 to request a hard copy.

VISA Balance Transfers

Print and complete this form. Return form to USPS FCU ATTN: VISA 7905 Malcolm Rd., Suite 311 Clinton, MD 20735 Or Fax to: 301-856-4409.

It pays to carry and use the USPS FCU Visa Rewards card. I use it to make large and small purchases and the points add up quickly. I have used this card around the world and never had to deal with expensive fees like at a bank. They offer double rewards points promotions which have allowed me to collect up to $2,300 in a single year when I redeemed the cash option!

William, Member in Virginia since 1986