STCU Visa Platinum®

Get 0% intro APR for six months!

Open your STCU Visa Platinum credit card today and enjoy 0% APR on everything you buy during the next seven billing cycles (that's at least six months).

There is no catch to this deal. Just genuine member benefits!

You can even move existing balances from non-STCU cards and loans to lower your cost of old debt. Open your Visa Platinum and get 1.9% APR on your balance transfer for a year. With no balance transfer fee!

NOTE: This introductory rate is available to our members who do not yet have an STCU Visa Platinum. Standard purchase rates will apply to your remaining balance after the introductory periods ends. See our highly competitive rates!

STCU Visa cardholders: As low as 4.9% APR balance transfers for life!

Existing STCU Visa Platinum cardholders can transfer your non-STCU credit card or consumer loans before March 31, 2015, and reduce your cost of debt to as low as 4.9% APR for the life of your balance transfer. Details here.

Passport Unlimited

Just when you thought this deal couldn't get any better, every STCU Visa Platinum comes with Passport Unlimited® instant savings built right in.

Passport Unlimited is an exclusive deal offered by no other financial institution in the Inland Northwest. Pay with your STCU Visa Platinum, you can get up to 50% off, or complimentary second entree, at hundreds of local, regional, and national participating restaurants, merchants, and online stores -- instantly! There's no annual fee, no secret handshake, and no limit on how many times you can cash in on the Passport Unlimited discount.

Watch this 82-second video to learn how it works:

Get the details. Or print out a current list of participating merchants.

Other Visa Platinum benefits and features

Low interest rates. Your STCU Visa Platinum rate will depend on your creditworthiness, but may be several percentage points lower than the competition.

Transfer high-cost balances and save.  Lower your cost of debt today! Return this completed form to STCU and transfer your high-cost, non-STCU balances to an STCU Visa Platinum! 

Visa features at a glance Platinum
Credit line no minimum
Current annual percentage rate (APR) click here
24-hour telephone banking access Yes
24-hour cash machine access Yes
Free traveler's insurance Yes
Auto rental insurance Yes
Automatic overdraft protection Yes
Personal identity theft protection Yes
Cardholder inquiry service Yes
Visa travel assistance services Yes
Emergency card replacement service Yes
Annual fee No

Cash advances. Access your available credit with a cash advance from STCU branch locations or Visa ATMs worldwide. You can also call STCU's 24-hour telephone banking or use STCU's online banking to transfer an advance right into your checking account. (Subject to cash advance fee.)

Rental car insurance waiver. With your STCU Visa, you have access to Visa auto rental collision damage waiver benefits and emergency services.

ID theft protection. Every STCU Visa Platinum card covers personal identity theft expenses at no charge to you!

Verified by Visa. Verified by Visa is a free security service for STCU members. It ensures that only you can use your STCU Visa credit or debit card for online purchases at a growing number of participating merchants. Click one of the following to register:

Get your STCU Visa Platinum credit card verified
Get your STCU Visa Debit card verified

Store coupons. Get discount coupons from dozens of merchants before shopping with your STCU Visa. Click here to view the current offers, or check back later for more savings.*

Avoid overdrawn balances.  Set your Visa as automatic overdraft protection for your STCU checking account

Apply online, activate your card

Apply online or call the 24-hour lending center at (509) 326-1954 or (800) 858-3750.

Activate your STCU Visa Platinum by calling (888) 691-8661 in the United States or (515) 457-2085 internationally.

Report a lost or stolen Visa

To report a lost or stolen STCU Visa Platinum credit card, call the credit union immediately at (800) 858-3750. After hours, call (800) 234-5354 in the United States or (410) 581-9994 internationally.

*The products and services offered through Visa store coupons or Passport Unlimited discounts are not endorsed or vouched for by STCU. STCU accepts no liability in connection with their use. List of participating Passport Unlimited merchants changes monthly.

How 0% APR intro works

  1. APR is your annual percentage rate.
  2. 0% APR applies to new purchases made during the first 7 billing cycles from the account opening date.
  3. After the intro rate period ends, your APR will be 8.9%, 10.9%, or 13.9% APR, depending on your creditworthiness.
Visa Platinum and Visa Business rates

Fraud monitoring

For your protection, STCU's fraud monitoring service may call you if unauthorized use of your Visa credit or debit cards is detected. Fraud monitoring calls originate only from one of these two numbers: (888) 241-2440 and (866) 499-3559.

Visa disclosures and benefits