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 Signature® Card

Make your everyday more rewarding with the Advantage One Visa Signature card. You’ll earn higher reward points for everyday spending. Watch your points roll in and redeem for travel services, gift cards, merchandise, and more.

  • 0.99% APR1 introductory rate for six billing cycles; after that, fixed rate can range from 10.98% to 23.98% APR1
  • New card bonus points available
  • Digital Wallets – Use your card on your mobile or wearable device
  • Earn points on spending and easily redeem rewards online
  • Card Management within Online Banking or Mobile App
  • Automatic Fraud Alerts via Text, Email or Phone 
  • Contactless Technology – Tap to Pay at Checkout
  • Chip-enabled technology with 24/7 monitoring for greater fraud protection
  • Non-online banking users can access their card info with Access Point
  • Visa Signature Card Benefits 

Current Members - Apply within Online Banking
Non Members - Apply Today

Visa® Platinum Card

Our Visa Platinum Card is a great option for those who would prefer a smaller credit line and fewer frills. You’ll earn reward points for every qualifying dollar spent. Easily redeem your points through our Rewards Program for gift cards, merchandise, travel and more.

  • 0.99% APR1 introductory rate for six billing cycles; after that, fixed rate can range from 10.98% to 23.98% APR1
  • New card bonus points available
  • Digital Wallets– Use your card on your mobile or wearable device
  • Earn points on spending and easily redeem rewards online
  • Card Management within Online Banking or Mobile App
  • Automatic Fraud Alerts via Text, Email or Phone 
  • Contactless Technology – Tap to Pay at Checkout
  • Chip-enabled technology with 24/7 monitoring for greater fraud protection
  • Non-online banking users can access their card info with Access Point
  • Visa Platinum Card Benefits
Current Members - Apply within Online Banking
Non Members - 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 is used to determine 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, fixed rate can range from 10.98% to 23.98% APR1
  • No annual fee
  • Earn points on spending and easily redeem rewards online
  • Use wherever Visa credit cards are accepted
  • Contactless Technology - Tap to Pay at Checkout
  • Chip-enabled technology and 24/7 monitoring for greater fraud protection
  • Build or rebuild your credit score responsibly
  • Card Management within Online Banking or Mobile App
  • Automatic Fraud Alerts via Text, Email or Phone 
  • Non-online banking users can access their card info with Access Point

Current Members - Apply within Online Banking
Non Members - 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 23.98%. 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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