VISA® Credit & Debit Cards

Credit Cards | Debit Cards | Rewards & Cash Back

Whether you’re looking for easy access, low rates, rewards, or cash back, ACCU has a VISA® credit - or debit card - to meet your needs.
Three Great Options

Ranging from low-rate to rich in rewards — thanks to our partnership with CURewards®. Our VISA® credit cards are ready to spring into action whether being used in the mission field or on main street — plus there is no annual fee for access to our low rates and rewards.

VISA® Platinum RewardsVISA® Signature Rewards
Getting StartedGetting Started + RewardsHighest Rewards
0% APR1 on new purchases and 3.9% APR on balance transfers made in the first 6-months of opening the credit card0% APR1 on new purchases and 3.9% APR on balance transfers made in the first 6-months of opening the credit card0% APR1 on new purchases and balance transfers made in the first 6-months of opening the credit card
Low rate + Low minimum credit limitRewards + Low minimum credit limitRewards or Cashback + Up to $30,000 credit limit
No annual feeUp to 2 points per $1 spent on most purchases + No annual feeUp to 2.5 points per $1 spent + No annual fee

Ministry & Business — Empowered

Our Ministry/Business VISA® program is designed to better equip ministries and businesses like yours with additional benefits that will help multiply your Kingdom impact. Plus, since our mission is to ensure that resource multiplication happens — we do not charge a fee for our VISA® Ministry/Business Rewards credit card.

Redeem points for cash, travel, gift cards and more!

  • Earn 5 points for every dollar spent on charitable giving.
  • Earn 3 points for every dollar spent on qualifying travel and hotel purchases.
  • Earn 1.5 points for everyday purchases.


Our partnership with CURewards® means you can easily start turning your earned points into gift cards, merchandise, airline tickets, cruises and much more. Redemption starts at as little as 2,500 points! Also, CURewards® also helps you maximize your shopping discounts through earning bonuses when using their mobile app.

Earn Your Cashback & Travel Rewards Today

  • Convert your ACCU VISA® Signature Rewards points into 1% cashback deposited directly into your ACCU Checking, or Savings account. Redemption starts at 2,500 points ($25.00).
  • Redeem your points for a roundtrip ticket to virtually anywhere in the world. Additional travel awards such as car rentals, hotel stays and cruises are also available to use in booking your next trip.


ACCU VISA® Debit Card

The ACCU VISA® Debit Card provides secure purchasing power anywhere in the world. Plus, if you need cash, thanks to our partnership with Co-Op Network you have access to a nationwide network of 30,000 surcharge-free ATMs2. Whether you’re shopping online, or simply grabbing a snack at the corner convenience store, there is no need to carry cash or checks. Plus our cards are digital wallet enabled so you know your transactions are protected and with you everywhere.

Features of our VISA® debit cards

  • Variety of debit card designs using design your own card
  • Accepted everywhere VISA® is taken
  • Funds drawn directly from your checking account
  • Worldwide ATM access, including surcharge-free access at more than 30,000 ATMs nationwide

How to get an ACCU VISA® debit card

  • Open an ACCU checking account
  • Members younger than 18 must have a responsible adult as a joint account holder

Get your VISA® debit card today

Call 1-800-343-6328 or open your account online:
Personal | Church | Ministry | Business

Need a checking account?

If you don’t have a ACCU checking account, explore our available personal checking accounts tailored to each life stage, or organizational checking accounts primed-and-ready to be your operating account.

Design Your Own Card

America’s Christian Credit Union now offers you a distinctive way to make your debit and credit cards as unique as you are! Simply pick your favorite digital image then follow the steps below, and you’ll be on your way to making your credit, or debit card, a memory you carry everywhere!

  1. To design your own debit card, please email your image to
  2. We will email you a sample of what your card will look like. If you are not satisfied, we would be more than happy to make modifications to your design for you.
  3. Send back your approval via email
  4. Your personalized card will arrive in 7‐10 business days
  5. Show all your friends your new card!

Note: $10 fee per card. Uploaded images should be JPEG, GIF, TIFF or bitmap files. The larger the image, the better. Image size should be at least 480×480 pixels, although the larger and higher resolution of your image, the better your card will appear when printed.

Lost or Stolen Card

We are here to help you get your card replaced as quickly as possible and reduce any risk to your accounts. Immediately call us 1-866-820-5798 — this number provides 24/7/365 service. Below is a step-by-step guide and some tips to help during a lost or stolen card incident:

  • Call card services immediately— As soon as you realize your card is missing or stolen, please call us at 1-866-820-5798. This number provides 24/7/365 service. From there, we will freeze your previous card and get a new one ordered.
  • Report any unauthorized charges — While on the phone with your card service agent indicate which charges are unauthorized, then complete the fraud and forgery form and remit to P.O. Box 3112, Tampa, FL 33631-3112.
Reloadable VISA® Cards

ACCU offers both travel & student prepaid VISA® cards that you can reload from anywhere, 24/7. They can be used wherever VISA® is accepted, and come with the VISA® Zero Liability program to protect you from fraudulent use.

Prepaid Card Details:

  • Minimum loading amount: $250
  • Maximum loading amount $3,000
  • Easily manage card balances online

VISA® Gift Cards

Give the gift that’s always the right size and shape. A VISA® gift card is perfect for all gift-giving occasions, whether it’s a birthday, holiday, or any other day worth celebrating. Load the card for any amount between $25 and $500, and make your gift-giving easy!

  • Available from $25-$500
  • Easily replaced if lost or stolen
  • Check remaining balance online
  • For online purchases, please register your VISA® gift card at

Purchase your card at any branch location or by calling 1-800-343-6328.

1 – APR = Annual Percentage Rate.

2 – Via Co-Op Network. Visit for a complete list of surcharge-free ATMs and shared branch locations.