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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

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Visa Platinum Credit Card

We'll never charge you an annual fee.

 
Cardholders can enjoy a low intro rate for 6 months on purchases and balance transfers, then a low variable rate based on creditworthiness up to 18.00%.¹





¹Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at 3%. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.

Why Choose the Visa® Platinum Credit Card?

Low Variable Interest Rate¹

Mobile Wallet Compatible 

Never Pay an Annual Fee¹

Variable APR of 13.5 % to 18%¹

Neighborhood Credit Union Platinum Visa Credit CardVisa Platinum

Low Intro APR¹

Low introductory APR for up to 6 months, then variable APR is based on your creditworthiness, from 13.50% to 18.00%.¹
Introductory APR includes purchases, balance transfers, and cash advances.¹
No annual fee.




¹Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at 3%. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.View the Guide to Benefits (Opens in a new Window)and the Platinum Credit Card Disclosure(Opens in a new Window).
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Mobile Wallet

Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
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Card Controls on the App

Easily turn off and on, report lost, or cancel your credit card with Card Controls in Online Banking or the MyNCU Mobile App.




Credit Card Access through Online Banking

Securely access your Neighborhood Credit Union Visa Credit Card through Online Banking. Make payments, view your current account summary, card activity, and billing statements.






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Membership Benefits

Membership is more than just your $25 share. See all of our benefits, account perks, and lending products.




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Convenience Services

Safety deposit boxes and Courtesy Pay overdraft protection on your checking accounts.




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Money Management

Have a personal finance dashboard at your fingertips inside Online Banking and the MyNCU Mobile App.





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Cash Back Checking

Earn cash back rewards with no minimum balance.




More About Neighborhood Credit Union

Neighborhood Credit Union is based in Dallas, TX and proud to be a full-service, digital credit union. Open checking accounts online, savings accounts, and even apply for loans online within minutes. We offer some of the lowest auto loan rates and personal loan rates in Dallas.