Credit Cards
Find the card that fits your lifestyle. Apply for a Visa Premium to enjoy our lowest rate or choose a Visa Gold to earn rewards on everyday purchases.
Visa Gold
Rewards Card
Think about all the everyday purchases you make using your credit card. Now think about racking up rewards points every time you do. It's possible with TAPCO's Visa Gold Rewards program.
- Earn 1 point for every dollar on every purchase
- Redeem your points for merchandise, gift cards, cash back, statement credit, travel, or a donation to a charity
Visa Premium
Lowest APR
Get a TAPCO Premium Credit Card and enjoy our lowest APR, no-fee balance transfers, mobile wallet integration, advanced card controls, zero liability fraud protection and more.
- Enjoy our lowest APR credit card
- Transfer your balance from a higher interest card with no fee
- Zero liability fraud protection, card controls and more
A TAPCO Visa credit card puts you in charge
Pay down transferred balances faster or earn rewards. The Visa Premium and Visa Gold Rewards cards give you flexibility and spending power.
Go for the card with a lower rate or one with a rewards program
Speed through the checkout line with contactless transactions
Set rules for how, when and where your cards can be used
Enhanced technology helps fight fraud and identity theft
Your APR will be 14.99% to 17.95% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Your APR will be 12.99% to 17.95% APR based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Your APR will be 14.99% to 17.95% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Your APR will be 12.99% to 17.95% APR based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Your APR will be 14.99% to 17.95% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Your APR will be 12.99% to 17.95% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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.
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.
None
None
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 http://www.consumerfinance.gov/learnmore
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 http://www.consumerfinance.gov/learnmore
- $30.00 for Peak Rewards Members
- $50.00 for Non-Peak Rewards Members
None
- Balance Transfer: None
- Cash Advance: $5.00 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction: 3% of each transaction in U.S. dollars
- Balance Transfer: None
- Cash Advance: $5.00 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction: 3% of each transaction in U.S. dollars
- Late Payment: Up to $25
- Returned Payment: Up to $27
- Late Payment: Up to $25
- Returned Payment: Up to $27
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See your account agreement for more details.
The above information about the costs of the cards described in this application is accurate as of 10/23/2025. This information may change after this date. To find out what may have changed, call us at (253) 565-9895 or (800) 345-7183 or write to us at TAPCO Credit Union, PO Box 64369, Tacoma WA 98464.
Auto Rental Collision Damage Waiver
You don't want the hassles and expense of repairing or replacing a rented car. The Auto Rental Collision Damage Waiver covers you for accidents and theft, and comes with both Visa credit cards.
Roadside Dispatch
Roadside Dispatch is a pay-per-use roadside assistance program available with both Visa credit cards. Get peace of mind, security and convenience wherever you travel. There's no pre-enrollment required, no annual fees, and no limit on use.
APR=Annual Percentage Rate. Your rate may increase or decrease if the Prime Rate as published in the Wall Street and can change monthly on the first day of each billing cycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate plus a margin of 5.74% - 10.45% for Premium; 7.74% - 10.45% for Rewards. Your variable rate will never be more than the maximum rate allowed by applicable law. Rates and fees are subject to change. Please visit your local branch or call us at 253.565.9895 or 800.345.7183.
All loans are subject to credit approval. Your rate and credit limit will be determined on individual creditworthiness and qualifications. Verification of income may be required. Must be 18 years of age to qualify for a loan. Membership is required.
*Visa Gold Rewards: Earn 1 point per dollar spent and redeem once you accrue a minimum of 2500 points for the category of your choice: merchandise, gift cards, cash deposit to account, statement credit, donation to charity, or travel rewards.