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HOLIDAY CLOSURE: All TCT Branches will be closed Monday for the July 4th holiday. You can do many banking transactions including deposit checks and make a loan payment online, visit DIY Banking.

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Visa Platinum Credit Card
Home > Borrow > Credit Cards > Visa Platinum Credit Card

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 1.5% 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

     Apply Now

Balance Transfer Rates

  • No Balance Transfer Fee 
  • Fixed rates range from 6.96% – 14.96% for the life of the balance, based on creditworthiness.

      Transfer A Balance


*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. 

Manage your Credit Card from your smartphone.

You will be able to manage your TCT Credit Card within the TCT Mobile Banking App.

Select 'Card Controls' from the menu to set up your credit card for transaction alerts and controls and to turn your card on and off.

Select ‘TCT Credit Card Access’ from the ‘Accounts’ menu option to register and activate your card, set up estatements, 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

Call 1-800-270-3603 (toll-free U.S.) or 531-233-6260 (International) for balance inquiries, payment information, transaction history, statement requests or to dispute a charge.

View TCT Credit Card Application and Disclosure

TCT VISA Platinum Card Features

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 found at

Zero Liability Protection

You won't be held responsible for unauthorized charges made with your card or account information.

EMV Chip-Enabled 

An extra layer of security is provided when used in a chip card reader.  

Fixed Rates

Paying late won't increase your APR


Ask about a TCT Visa Credit Card
Completion of this information request form does not constitute a loan application.
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“I can't wait to have all of my debts consolidated into one payment with TCT's VISA!”

— Katy B.

Have Questions

Want to learn more about our Visa credit cards? Let's connect!

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