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Visa Platinum Credit Card
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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", Apple Pay, Google Pay, and Samsung Pay-enabled, all on one card!

Low Purchase Rates

  • No Annual Fee
  • Fixed Rates as low as 8.96% APR*
  • Earn UChoose Rewards on your purchases with a 1.5% cashback option

     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 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

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 & 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)


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Peace of Mind Checking

“I can't wait to have all of my debts consolidated into one payment with TCT's VISA!”

— Katy B.

Have Questions

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