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No Fee. No Comparison
Some credit cards offer discounts and privileges - but you have to pay an annual
fee to get them. Other credit cards are free, but they don't have many special features.
TopLine gives you the best of all worlds, with the premium card on the market today:
the Platinum VISA®. With no hidden costs or sneaky fees. Not now. Not ever. With
our Platinum VISAs, you'll never pay for the privileges you deserve.
Both our Platinum VISAs are loaded with benefits - and these important extras.
- low APR based on your credit history - we reward you for using credit wisely
- free convenience checks with no blanace transfer fees
- cash advances
- automatic payment options
- online account management
Plus, you get the added security of password-protected online purchases through
Verified by VISA®.
TopLine Platinum VISA
Why settle for blue, gold or silver when you can get platinum? Our no-fee
Platinum VISA card is the smart choice for the people who want a powerful card with
the most perks. With no annual fee, of course.
TopLine Platinum Rewards VISA
Like to be rewarded for your spending? TopLine's no-fee Platinum Rewards VISA delivers.
You earn one point for every dollar you charge. Use your points for plane
tickets, cruises, luxury products and more.
Click here to view a .pdf file of the CU Rewards brochure.
Visit CURewards.com to see a full selection and description of the merchandise and travel options
and to redeem your points.
TopLine VISA At-a-Glance
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Platinum VISA
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Platinum Rewards VISA
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Annual Fee
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None
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None
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Balance transfer fee
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None
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None
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Annual Percentage Rate (APR)
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8.9% to 16.9%
Based on credit history
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9.9% to 17.4%
Based on credit history
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Credit Line
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Based on credit history
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Based on credit history
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Perks
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Free auto and travel insurance, warranty manager, $1 million travel insurance, and
emergency assistance
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Free auto and travel insurance, warranty manager, $1 million travel insurance, and
emergency assistance
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Rewards
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None
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Earn one point for every dollar spent. Redeem points for brand-name items and travel
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Grace Period
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- 25 days on new purchases when monthly balance is paid in full
- No grace period on cash advances
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- 25 days on new purchases when monthly balance is paid in full
- No grace period on cash advances
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Late Fee
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$29 if payment is received 5 or more days after due date
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$29 if payment is received 5 or more days after due date
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Default APR
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17.9% if account is 30 or more days past due
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17.9% if account is 30 or more days past due
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Over-Limit Fee
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$29 if balance is 105% or more of credit limit
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$29 if balance is 105% or more of credit limit
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Finance Calculation Method
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Average Daily Balance Method
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Average Daily Balance Method
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TopLine Offers Verified by VISA®
You can shop online with added security and peace of mind when you take
advantage of Verified by Visa. Use your current TopLine VISAs card,
visit www.visa.com/verified
and create a password. Then every time you make a purchase at a participating
online vendor, your identity will be confirmed before the sale is complete, thus
helping prevent unauthorized purchases.
Using the added security is simple. Shop at participating online stores,
enter your Visa number and submit your order. A window will appear asking for
your password, enter it and continue shopping.
TopLine VISA® Gift Card
No matter what the occasion, TopLine has a full line of gift cards for those gift giving moments. VISA gift cards
are accepted at millions of VISA merchants worldwide either in-person or over the phone, and can be used for online purchases.
With its flexibility, the gift card is the perfect gift for those on your list. It's just what they want.
VISA® gift cards are available for purchase at all TopLine branch locations. Stop in or call 763-391-9494.
It's another smart choice for you from TopLine.
To keep your card safe, TopLine recommends that you register it at https://mygiftcardaccount.pscufs.com/index.cfm
or call 1-866-902-6082.
To view a PDF of the terms and conditions,click here.
To report your card lost or stolen, review your account activity or all other customer service inquiries, please call 1-866-902-6082. When calling, provide your name, your
account number and the last 4 digits of your home phone number.
Gift Cards fit a variety of budgets with values ranging for $20 to $500. The cost per card is $4.95.
Click here for a list of frequently asked questions.
View Credit Card Account Terms & Conditions
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