Compare Your Card and Save
TCT's VISA Platinum Credit Card offers fixed low rates (a late payment won't increase your APR), No Annual Fee, and UChoose Rewards® — with a cashback option, and more. Add your TCT credit card to the digital wallet app on your phone and you’re ready to "tap & go".
Low Purchase Rates
- No Annual Fee
- Fixed Rates as low as 8.96% APR*
- Earn UChoose Rewards on your purchases
Balance Transfer Rates
- No Balance Transfer Fee
- Fixed rates range from 6.96% – 14.96% for the life of the balance, based on creditworthiness.
*Annual Percentage Rate (APR) when you open your account, the rate is based on creditworthiness. Credit restrictions apply. All rates are subject to change without advance notice.
|Rewards for Purchases||UChoose Rewards® is a program that earns you 1.5 points for every $1.00 you spend using your TCT FCU credit card. All TCT FCU VISA® credit cards with rewards are automatically enrolled in the program. You can redeem your points for cashback or toward anything from our huge online rewards catalog.|
|Zero Liability Protection||You won't be held responsible for unauthorized charges made with your card or account information.|
|EMV Chip & Digital Wallet-Enabled||An extra layer of security is provided when used in a chip card reader. "Tap and go" with the digital wallet app on your smartphone.|
|Fixed Rates||Paying late won't increase your Annual Percentage Rate (APR)|
Share Secured Visa Credit Card
If you're looking to improve your credit score or build your credit history, a TCT Share Secured Visa® can help.
Enjoy a credit line of $500 to $4,000 secured by money you deposit in a share savings account. Make your credit card payments on time each month and you'll start to see your credit improve. You can also earn uChoose Rewards® on your purchases. Now that’s a win-win!
Open a TCT Share Secured Visa today! You can apply now or contact us for more information.
Manage your Credit Card from the TCT Mobile Banking app
Select 'Card Controls' from the TCT Mobile Banking app menu to set up transaction alerts, and credit card controls, and to turn your card on and off.
Select ‘TCT Credit Card Access’ from the ‘Accounts’ menu option to activate your card, set up e-statements, manage your credit card payments, view your balance, transactions, minimum payment due, set up balance alerts, and view and redeem new UChoose Rewards.
24/7 Card Activation and Cardholder Service
All About Credit Articles
- Choosing the credit card that's right for you
- Best Practices for Using a Credit Card
- Building Credit
- How to obtain a good credit score
- What is my Credit Score?
- It’s a Good Idea to Check your Credit Report Regularly
TCT Federal Credit Union is changing its credit card processor to better serve your credit card needs. This change requires that a new card be issued.
No. Your interest rate and other terms on your account will not be changing.
You will no longer receive a PIN in the mail, and your old PIN will not work with the new card. You can select your unique PIN by calling the number on the activation label and choosing the PIN option.
No. Your existing card will not work after 02/28/2022 at 6:45 a.m. EDT. Instructions will come with your new card to ensure it is ready to use on or after 02/28/2022.
Yes. As a security feature, all cards being issued with this conversion will have a unique number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.
To ensure there is no interruption in recurring or preauthorized payments (such as monthly telephone, electricity, gas bills, insurance, clubs), contact the merchant on or after 02/28/2022 with your new card number and expiration date.