A close-up view of an AOCU credit card exchanging hands during a payment interaction.

Credit Cards

Our Visa® Credit Cards provide a little extra with every purchase 

Pile up reward points or build up your credit score.

With an Advantage One Visa Credit Card, you can easily shop online or buy products and services from millions of merchants nationwide. But that's not all. You'll also save money with low introductory rates and enjoy added layers of protection that safeguard your financial and personal data.  

Visa Platinum Rewards

You don't have to be a math whiz to understand the great value provided by our Visa Platinum Rewards Credit Card. You earn one point for every dollar spent. When you collect enough points, you can redeem them through our Rewards Program for travel services, gift cards, merchandise, digital downloads and much more.
  • 0.99% APR1 introductory rate for six billing cycles; after that, the rate adjusts from 10.98% to 24.98% APR1
  • Earn bonus points when you use your card the first time
  • It's easy to review and redeem rewards online
  • Chip-enabled technology and around-the-clock monitoring for greater fraud protection
  • Use EZCard to manage card activity online
  • We offer added security for online shopping with Visa Secure®
  • Take advantage of Visa Checkout®, the easier way to pay online
  • Apply Today

Secured Visa

Give yourself exceptional spending power as you establish a credit history or rebuild your credit score. Simply deposit $500 or more in an Advantage One savings account. The amount you deposit establishes your credit limit. Every time you make a payment, we report it to the major credit bureaus. Over time, you're likely to see a significant increase in your credit score.
  • 0.99% APR1 introductory rate for six billing cycles; after that, the rate adjusts from 10.98% to 24.98% APR1
  • No annual fee
  • Use wherever Visa credit cards are accepted
  • Chip-enabled technology and 24/7 monitoring for greater fraud protection
  • Build or rebuild your credit score responsibly
  • Use EZCard to manage your card online
  • We offer added security for online shopping with Visa Secure
  • Take advantage of Visa Checkout, the easier way to pay online
  • Apply Today
After 12 months, your account may be reviewed, and you may qualify to have your security deposit returned while you continue to use your Visa Credit Card. With responsible use over time, you may have the opportunity to upgrade to an unsecured credit card.
Advantage One CU is a credit union serving members in Michigan and across the country.
1APR is Annual Percentage Rate. The current promotional APR is a 0.99% introductory rate on purchases for the first six (6) billing cycles. On the seventh billing cycle, the 0.99% intro APR will adjust to the standard purchase APR on your account. The Visa Platinum Rewards APR ranges from 10.98% to 24.98%. Your precise rate is based on your credit worthiness. All loans are subject to approval and member must be in good standing.
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