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Credit Cards Credit Cards
     
 
CONSUMER CREDIT CARDS
 
   
 

VISA Platinum

Enjoy the convenience of using a credit card that is readily accepted around the corner and around the world. With competitive low interest rates and flexible credit limits, the Charlotte Metro VISA credit card will meet all of your wants and needs.

Click here to see features
  • No annual fee
  • Introductory offer: 0% on purchases and balance transfers (1)
  • Instant Issue Cards -- walk out of the branch with your card
  • Flexible credit limits of $500 to $20,000
  • No balance transfer fee on approved transfers
  • Competitive low interest rates – as low as 7.95%
  • Variable rate (2)
  • Optional checking account overdraft protection
  • Convenience checks processed as balance transfer for lower rate
  • 25-day grace period on purchases
  • Online Banking access for payments, history, balance transfers, etc.
  • Apply online
  • And more!

VISA Platinum REWARDS

Enjoy all of the benefits of VISA Platinum but with more options because it’s Charlotte Metro’s REWARD program. Earn points for entertainment and everyday spending – cash, gift cards and world-wide travel -- every time you make a purchase with your Charlotte Metro VISA credit card. Awards are not tied to specific airlines or one company’s merchandise. There’s no need to visit special web sites or make purchases at specified merchants to earn points. Simply use your qualifying card or account and watch the points add up. When you have enough points for the reward of your choice, just submit your redemption request. That’s it!

Click here to see features
  • Earn one reward point for every $1 you spend
  • Check point balance online and redeem for cash, gift cards and travel (3)
  • No annual fee
  • Introductory offer: 0% on purchases and balance transfers (1)
  • Instant Issue Cards -- walk out of the branch with your card
  • Flexible credit limits of $500 to $20,000
  • No balance transfer fee on approved transfers
  • Competitive low interest rates – as low as 9.95%
  • Variable rate (2)
  • Optional checking account overdraft protection
  • Convenience checks processed as balance transfer for lower rate
  • 25-day grace period on purchases
  • Online Banking access for payments, history, balance transfers, etc.
  • Apply online
  • And more!

Cellular Phone Protection

Cell Phone Protection provides CMCU cardholders supplemental reimbursement for damage or theft of an eligible cell phone. To become eligible, simply pay your monthly cell phone bill with your CMCU Platinum or Platinum REWARDS credit card. That's it! Coverage includes up to $250 per claim for a maximum of $500 per 12 month period.

For all of the details, refer to the Guide to Benefits:
•   Cellular Phone Protection Guide To Benefits

Claims: Call 866 894 8569 within 60 day of your loss/damage.

Disclaimers

Click here to see Disclaimers
  1. During the first six billing cycles the rate for purchases and balance transfers will be 0.00% Annual Percentage Rate (APR). After the sixth billing cycle your balance for purchases and cash advances will adjust to the rate in your credit card agreement. As of the first day of each month, the APR for variable rate VISA credit cards ranges from 7.95% to 17.99%. This rate will change with the market based on the Prime Rate. Rates are subject to change without notice. APR may vary depending on a review of your credit score and other underwriting factors. Balance transfer amounts may not exceed your approved credit limit. Standard underwriting terms and conditions apply.
  2. Variable rate information: The Annual Percentage Rate may increase or decrease if the Prime Rate Index "PRI" increases or decreases. The PRI is the highest prime rate published in the Wall Street Journal on the last business day of the month. If this index is no longer available, the credit union will choose a new index which is comparable to the index described herein.
  3. Redemption of Extra Awards points is subject to the terms and conditions of the awards program.


 
     
     
 


Credit Card Payoff Calculator

Click "Apply Now" to enjoy the benefits of a Charlotte Metro VISA Platinum or VISA Platinum Rewards Card.

 

Money

Save Money.

We’re pretty sure our Platinum credit card rate as low as 7.95% will put money into your pocket.

But don’t take our word for it. Shop the competition.

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Security features for your peace of mind

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Verified by VISA

Get an extra layer of protection by selecting a personal password that confirms your identity at the time of purchase.Click here to register your VISA credit card.

VISA Zero Liability

No liability to you for unauthorized purchases whether online or in-person. Does not apply to ATM transactions. Other restrictions apply.

Lost or Stolen Cards

To report a lost or stolen VISA card, call 888.633.2628, 24 hours a day.

Or follow the steps below to block cards through our Online Banking.

First, login to online banking. Next, click on Self Service. Finally click on Block Card.