Visa® Credit Card

Transfer Your High Rate Balances

With a 0% APR** on balance transfers until 12/31/2020 and a 3.5% balance transfer fee, there has never been a better time to save with a TruEnergy FCU Visa® Credit Card.


TruEnergy FCU Visa® Credit Card: A World of Convenience - No Annual Fees

With a below-market rate, a TruEnergy FCU Visa® card gives you affordable convenience. Use your card at more than 14 million merchant locations around the world, or for cash advances at thousands of ATMs.

Visa Credit Card Benefits:

  • Rates as low as 9.99% APR*
  • No annual fee
  • FREE balance transfers - Transfer your Balance via Docusign
  • Earn rewards on purchases
  • Flexible credit limits
  • Worldwide acceptance/ATM access


Student Visa® Credit Card

College can be challenging for parents and students. Let us lend a hand! A TruEnergy FCU Student Visa Card helps pay for unexpected college expenses, teaches valuable money management skills and builds a strong credit history.

Student Visa Credit Card Benefits:

  • Rates as low as 9.99% APR*
  • No annual fee
  • FREE balance transfers
  • Credit limits starting at $500
  • Worldwide acceptance/ATM access




Visa Credit Card Rewards

uChoose Rewards  earns you points every time you make  purchases using your TruEnergy FCU Credit Card. … plus, earn additional points for shopping at participating national or local retailers, in-store or online. To learn more visit the uChoose Rewards website at



Protect Your Credit Card with the CardValet App

Protect your credit card with real time control gaining peace of mind and enhanced security.  With the TruEnergy FCU FREE CardValet App members now have full control over how, when, and where their credit card is used – anytime, anywhere. 

With CardValet You Can:

  • Turn cards on or off instantly, anytime
  • Receive real time alerts every time your card is used
  • Control spending by setting limits to match your budget
  • Control transactions within a designated location
  • Limit card use to specific merchants or purchases 

Click here to download the CardValet by FISERV app.

Click here to download the CardValet Quick Reference Guide


Free Online Visa Access

The convenience of TruEnergy FCU Online Visa Credit Card Access is free… simply log onto your account through our Online Banking. Conveniently view your account information 24/7.

Recent Transactions – View or download the transactions that have posted to your account since your last statement.

Account Summary – Balance, available credit, payment information.

Statements – View or download past statement history as statements accumulate.

Bill Payment – Securely pay your credit card bill online.

Shop Secured with

Verified by Visa. Learn more.


Credit Card Application & Agreement Disclosures

*APR= Annual Percentage Rate.  Rates are based on creditworthiness, so your rate may differ. Please see Visa Credit Card Disclosure for more details.  Variable APRs apply to purchases, cash advances, convenience checks and balance transfers outside of any balance transfer promotional period. 
0% promotional balance transfer rate on balance transfers made between February 28, 2020 -September 30, 2020. The Annual Percentage Rate (APR) for the unpaid balance of your balance transfers after 12/31/2020 and any new balance transfers made after September 30, 2020 will convert to your prevailing non-promotional APR of 9.99% to 17.99% based on your creditworthiness. A 3.5% balance transfer fee applies to each transfer. If you miss a payment, we may end your introductory APR for balance transfers and apply the prevailing non-promotional APR.

Credit Card