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VISA Credit Cards


0% APR Credit Card Balance Transfer
Did you know that the average interest rate on credit cards in the U.S. is 18.72% APR?** And many department store credit cards charge whopping rates of over 20% APR. That makes their deals less of a bargain than you thought.

With an APR* of just 8.9%, you’ll save with a KALSEE Platinum Visa credit card. Plus, you’ll earn great rewards as you spend! And KALSEE credit cards now come with safer EMV chip technology, protecting your account from fraud.

Apply for a Credit Card Now!CreditCard

  • Low fixed rate of 8.9% APR*
  • Credit limits from $500 to $20,000
  • EMV chip technology protects your account from fraud
  • Apple Pay
  • No annual fee
  • 28 day grace period – pay your balance in full within 28 days and avoid paying interest on purchases
  • Scorecard Rewards – earn 1 point for every dollar you spend
  • Cash advances
  • No balance transfer fee
  • Make payments and cash advances via It’s Me 247 Online Banking
  • Business and secured cards (for building credit) also available

Transfer your existing high-interest credit card balances to a KALSEE Credit Union VISA card today! Simply download an application and mail it to our Main Office, or stop by any branch location to fill an application out in person.


Earn as you shop with Scorecard Rewards

Did you know that you can earn rewards points for every dollar you spend? Turn your purchases into amazing merchandise, travel or experience rewards! We have top name brand name items, unbelievable vacation getaways, valuable services, and once in a lifetime experiences. Scorecard has it all! We are continually updating our reward options so you’ll have the latest and greatest rewards to choose from. So, go ahead, login, have fun searching the rewards, create your own personal wish list, and most importantly, be sure to visit often.

Visit the Scorecard Rewards website

With Apple Pay, pay with a single touchApple Pay

Use Apple Pay™ and your KALSEE Visa credit card to pay the easy, secure and private way at hundreds of thousands of stores and participating apps. See a complete list of merchants at apple.com/apple-pay.


Easy options for making your payment

Your KALSEE Visa Credit Card is visible right in It’s Me 247 Online Banking, which means making a payment is as easy as making a transfer from your checking or savings account. Don’t use It’s Me 247 Online Banking? You can also make an online payment from another financial institution. Or use CU*Talk Phone Banking, and more. Click here to learn more about your payment options. All credit card payments are due the 28th of the month.


KALSEE Visa Credit CardsShop safely online… and anywhere else

You can shop with confidence online and anywhere else when you use your KALSEE Visa credit card. Plus, your card is safer than carrying cash. That’s because KALSEE and Visa work 24/7 to prevent, detect and resolve fraud.

Fraud Prevention Tools

  • The 3-Digit Security Code on the back of your card provides Internet and  phone security by helping verify that you’re in possession of your card.
  • With Verified by Visa, your identity is confirmed through a personal password while shopping at participating online merchants.

Real-Time Fraud Detection

  • Using best-in-class solutions for Real-Time Fraud Monitoring, we screen your  account 24/7 to detect suspicious card activity outside your normal pattern.

We’ll Fix It

  • Our Zero Liability*** policy means you don’t pay for unauthorized use of your credit or debit card.
  • Access to Identity Theft Assistance helps you regain control of your account if you suspect you’ve been a victim of card fraud.

Your is a safe way to pay

To learn more, visit www.visa.com/security.


Visa Purchase Alerts

Get a text or email whenever you pay with your Visa card based on criteria you select during enrollment, such as a transaction exceeding an amount, international purchases, or purchases made on the internet or by phone.

Learn more about Visa Purchase Alerts

Credit Disclosures

 Classic CardPlatinum Card
Annual Percentage Rate (APR) for Purchases10.9%8.9%
Balance Transfers APR10.9%8.9%
Cash Advances APR10.9%8.9%
Penalty Rate13.9% (Learn More)13.9% (Learn More)
Minimum Finance ChargeNone
Annual Membership FeeNone
Grace Period for Repayment28 Days
Late Payment Feeup to $26.00
Returned Payment Charge$26 per item
Over Limit FeeNone
International Transaction Fee1% of Foreign Transactions
Statement Copy$3
Draft Copy$5
Method of Computing the Balance for PurchasesAverage Daily Balance including new purchases

Read entire VISA Card Disclosure

*APR = Annual Percentage Rate. Rates subject to change. Some restrictions may apply. Approval subject to credit union requirements and underwriting guidelines.

Intro Balance Transfer APR is 0.00% for 6 billing cycles from the date of each transfer that posts to your account by 3/31/17. After the expiration of your discounted rate the remaining unpaid portion of the original balance transfer request will be subject to your normal APR as outlined on your monthly statement based on the specific KALSEE credit card selected. Current rates range from 8.90% APR to 10.90% APR. Payments will be credited to balances with the highest applicable APR first. No balance transfer fee. If account becomes delinquent 60 days or more, balances subject to the promo rate will revert to the penalty APR of 13.9%.

**Source: http://www.creditcardcatalog.com/average-credit-card-rates/

***Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

The legal age to apply for and obtain credit is 18 years of age.