Cards for Every Lifestyle
We offer a variety of benefits including points, cash back and low rates. To enhance your checkout experience, our contactless cards are integrated with Apple Pay®, Google Pay™, Samsung Pay®, and Visa Click to Pay®.
Feel secure with enhanced fraud protection: covered with Visa's Zero Liability Policy if your card is ever lost, stolen or fraudulently used. When you activate Verified by Visa you'll enjoy an extra layer of security when shopping online, and you can save time filling out online forms with Visa Click to Pay. Plus, using Tap & Go or the embedded chip provides a dynamic encryption, protecting your information.
All Apple Credit Cards Feature
No Annual Fee
No Balance Transfer Fee*
Rates Below 18.00% APR**
Tap & Go Contactless Purchases
Visa Shopping Discounts
Digital Card Management
*Balance Transfer Fees may apply during promotions.
** APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.
** APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.
Signature Rewards
Features
- 3X Points on Gas
- 2X Points on Groceries
- 1 Point on Everything Else
- Credit Lines up to $50,000
- Complimentary 24-hour Visa® Signature Concierge Service
- Redeem points for cash, gift cards, travel and more
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Contact Numbers
Agreements
Disclosure & Fees
Guide to Benefits
Rewards Overview
1APR = Annual Percentage Rate. As of date 6/22/2026 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
MyRewards
Features
- 3X Points on Gas
- 2X Points on Groceries
- 1 Point on Everything Else
- Credit Lines up to $5,000
- Redeem points for cash, gift cards, travel and more
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Schedule Video Appointment
Prequalify Me, No Score Impact
Contact Numbers
Agreements
Disclosure & Fees
Guide to Benefit
Rewards Overview
1APR = Annual Percentage Rate. As of date 6/22/2026 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
Platinum
Features
- Low, variable rate
- Credit Lines up to $35,000
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Contact Numbers
Agreements
Disclosure & Fees
Protection Package
1APR = Annual Percentage Rate. As of date 6/22/2026 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
Educator±
Features
- Created exclusively for educators
- Credit Lines up to $35,000
- Low Introductory Rates2
- No Payments During Summer Months3
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Contact Numbers
Agreements
Disclosure & Fees
Protection Package
1APR = Annual Percentage Rate. As of date 6/22/2026 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
23.99% Introductory APR on purchases only for qualifying members, for a period of 12 months. After that, or if you do not qualify for the Introductory APR, your APR will be changed based on your creditworthiness. APR varies with the market based on the Prime Rate and is subject to change daily. To see the current available rates, please view the Educator Visa disclosure.
3 Educator Visa account must be in good standing (no past due balances or over limit). Interest will continue to accrue.
±Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County, Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $500 Direct Deposit.
23.99% Introductory APR on purchases only for qualifying members, for a period of 12 months. After that, or if you do not qualify for the Introductory APR, your APR will be changed based on your creditworthiness. APR varies with the market based on the Prime Rate and is subject to change daily. To see the current available rates, please view the Educator Visa disclosure.
3 Educator Visa account must be in good standing (no past due balances or over limit). Interest will continue to accrue.
±Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County, Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $500 Direct Deposit.
Student
Features
- For members, ages 18 to 252
- Credit Lines up to $1,500
- Fixed-Rate
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Contact Numbers
Agreements
Disclosure & Fees
Protection Package
1APR = Annual Percentage Rate. As of date 6/22/2026 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
2Members may retain the card for six (6) years or until age 25, whichever comes first. Proof of income, or a qualified co-applicant required for student applicants under age 21.
2Members may retain the card for six (6) years or until age 25, whichever comes first. Proof of income, or a qualified co-applicant required for student applicants under age 21.
Credit Builder
Features
- Secured Credit up to $5,000
- Help establish or to rebuild credit
- Deposit $250 - $5,000 into your Savings Account and that amount becomes your credit limit
Ask a Question
Schedule Video Appointment
Prequalify Me, No Score Impact
Contact Numbers
Agreements
Disclosure & Fees
Protection Package
1APR = Annual Percentage Rate. As of date 6/22/2026 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
Added for comparison
Transfer High-Rate Balances
We make it easy:
-
Apply
Don't have an Apple Visa? Request a transfer during the application process. -
Transfer
Use Card Manager in Apple FCU Online or Mobile, or call 866-820-3867, to transfer to your existing card. -
Manage
Manage your card in Apple FCU Online or our Mobile App!
More Helpful Resources
Start the New Year Right With 0% APR* Balance Transfers
Enjoy rates as low as 0% APR* when you transfer to an Apple FCU Visa® Credit Card!
Refresh Your Home With No Closing Costs* and Locked-In Rates on HELOCs
Explore Apple FCU’s HELOC promotional offers: no closing costs* and locked-in rates through 20261. Upgrade your home and access flexible, affordable funding.
Videos
We regularly update our video library with financial education resources, community engagement and more!
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