It's true. Credit Union rates have their perks.
TAPCO has a Visa card to fit your needs—Classic, Premium, or Gold Rewards. Your TAPCO Visa card can be used at millions of locations worldwide and may provide overdraft protection for your TAPCO checking account. Contact us or apply online to start enjoying the convenience of a TAPCO Visa Card with special introductory rates.
Visa Credit Card Agreement Apply Online Transfer My Balance
Interest Rates and Interest Charges
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Card Type
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Visa Classic
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Visa Gold Rewards
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Visa Premium
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Annual Percentage Rate (APR) for Purchases
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2.99% Introductory APR for a period of 12 billing cycles.
After that, your APR will be 12.75% to 17.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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2.99% Introductory APR for a period of 12 billing cycles.
After that, your APR will be 9.25% to 14.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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2.99% Introductory APR for a period of 12 billing cycles.
After that, your APR will be 6.75% to 10.75%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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Annual Percentage Rate (APR) for Balance Transfers
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3.99% Introductory APR for a period of 12 billing cycles.
After that, your APR will be 12.75% to 17.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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3.99% Introductory APR for a period of 12 billing cycles.
After that, your APR will be 9.25% to 14.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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3.99% Introductory APR for a period of 12 billing cycles.
After that, your APR will be 6.75% to 10.75%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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Annual Percentage Rate (APR) for Cash Advances
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4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.
After that, your APR will be 12.75% to 17.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.
After that, your APR will be 9.25% to 14.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.
After that, your APR will be 6.75% to 10.75%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate
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How to Avoid Paying Interest on Purchases
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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.
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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.
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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.
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Minimum Interest Charge
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None
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None
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None
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For Credit Card Tips from the Consumer Financial Protection Bureau
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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.
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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.
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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.
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Fees
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Annual Fee
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None
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$30.00 for Peak Rewards Members
$50.00 for Non-Peak Rewards Members
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None
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Transaction Fees
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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
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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
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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
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Penalty Fees
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Late Payment: Up to $25
Returned Payment: Up to $27 |
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 12/1/2020. 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.
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All Credit Card Holder Benefits
Your TAPCO Visa® Credit Card includes ID Navigator powered by NortonLifeLock - Enroll Today!
Dark Web Monitoring
ID Navigator continuously patrols the dark web and private forums looking for personal information that may belong to you. Should personal information be found, notifications are sent with suggested steps.
Data Breach Notifications
ID Navigator sends notifications on large-scale breaches so you can act quickly should a breach affect your personal information.
Stolen Wallet Assistance
A stolen wallet can mean a lost identity. If your wallet is stolen you will receive guidance to help you cancel or replace key documents like your credit cards, driver's licenses, social security cards, insurance cards and more.
One-Bureau Credit Monitoring Alerts*
Helps you stay on top of your credit by detecting fraud more quickly. Alerts are sent when key changes are made to your credit file with a major credit bureau.
Credit, Bank & Utility Account Freezes
ID Protector provides instructions and links so you can quickly freeze credit, bank and utility files with each consumer reporting company to help protect you against criminals opening unauthorized accounts in your name.
Restoration Assistance
U.S.-based Identity Restoration Specialists are available Monday to Friday 6 a.m. – 5 p.m. PST with guidance and next steps to assist you should you become a victim of identity theft or other suspicious activity. Note: Visa Cardholders will have access to special discounts if they are interested in purchasing a more robust identity theft offering that includes additional Restoration features such as the LifeLock Million Dollar Protection™ Package.
To learn more and check your eligibility, click below.
CHECK ELIGIBILITY
Auto Rental Collision Damage Waiver
No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen, and vehicles do get stolen. No matter what happens to your rental car, you can be covered with Auto Rental Collision Damage Waiver.
LEARN MORE
Roadside Dispatch
Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you. No pre-enrollment required , no annual fees, and no limit on usage.
LEARN MORE
*Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met, you will not receive Credit Features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment. No one can prevent all identity theft.
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Gold Card Rewards
TAPCO Gold Rewards: Earn more for spending more.
Maybe it's us, but we think it's still possible to be excited about a credit card. That's why we offer Visa Rewards. Accepted just about anywhere. Rewards features that go a long way to help you save up for things you need to buy anyway. Earn points on every purchase, big or small, with your TAPCO Gold Rewards Visa. Redeem your points for merchandise, gift cards, or travel. Cash in rewards points for your next weekend getaway on most major airlines with fewer restrictions and no blackout dates.
3 Easy Steps to Earn and Redeem TAPCO Gold Rewards Points:
1. Make a purchase.
2. Earn points for every dollar of the purchase price.
3. When enough points are accumulated, order the gift certificate or travel awards of your choice.
REWARDS CENTER
If you have any questions about the TAPCO Rewards Program, please contact the Redemption Center at 855.582.8793.
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