Looking for the lowest APR? Look no more! The Visa^® Platinum Card is our lowest-rate card, offering no annual fees or over-the-limit fees.

• No annual fee.
• No balance transfer fee or cash advance fee.
• Low, variable APR as low as 10.25%.*
• Pay your way with multiple payment options at your fingertips.
• Complimentary card benefits.

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Generations Visa® Platinum Credit Card

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date: The information about the costs of the card described on this page is accurate as of April 16, 2019. This information may have changed after that date. To find out what may have changed contact Generations Federal Credit Union.

For California Borrowers, the Visa Platinum, Visa Platinum Share Secured, Earned Rewards and Earned Premium Visa Signature are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Disclosures:
Late Payment Fee – $20.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Returned Payment Fee – $20.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee – $4.00
Document Copy Fee – None
Rush Fee – $35.00 (2-day)
Rush Fee – $55.00 (Next Day)
PIN Replacement Fee – None
Card Replacement Fee – $5.00
Unreturned Card Fee – None
Pay-by-Phone Fee – $10.00

Equal Opportunity Lender. The credit union makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or family status.

Auto Rental – Auto Rental Collision Damage Waiver eliminates the need for you to pay for the collision damage waiver or similar provision provided by commercial auto rental companies on most passenger vehicles.

Roadside Dispatch – Roadside dispatch provides Visa cardholders with 24-hour access to roadside assistance via a toll-free number.

Return Protection – Return Protection offers reimbursement to cardholders on eligible items of personal property they purchase.

Price Protection – Price Protection offers protection to cardholders on eligible items they purchase. If a cardholder makes a purchase with an enrolled Visa card, and then locates an advertisement for the identical item at a lower cost, Price Protection will refund the difference.

Purchase Security – Purchase Security will, at the benefit administrator’s discretion, replace, repair or reimburse you for eligible items of personal property purchased entirely with your eligible Visa card if they are stolen or damaged within the first ninety (90) days of purchase.

To view and download all the Visa card enhancements available to you, see our benefits and disclosures.