Visa Credit Cards

It's true. Credit Union rates have their perks.

TAPCO has a Visa card to fit your needs—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

Card Type	Visa Gold Rewards	Visa Premium
Annual Percentage Rate (APR) for Purchases	Your APR will be 15.24% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.	Your APR will be 13.24% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers	Your APR will be 15.24% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.	Your APR will be 13.24% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash Advances	Your APR will be 15.24% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.	Your APR will be 13.24% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate
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.	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.
Minimum Interest Charge	None	None
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 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.
Fees
Annual Fee	$30.00 for Peak Rewards Members $50.00 for Non-Peak Rewards Members	None
Transaction Fees	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
Penalty Fees	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 6/1/2022. 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.

All Credit Card Holder Benefits

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.

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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.

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*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.

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.

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