Check out the great features ECU Visa® Credit Cards offer below:
| Features |
Classic |
Platinum Preferred1 |
Cash Rewards |
Secure |
| Minimum Limit |
$500 |
$2,500 |
$1,000 |
$300 |
| Annual Fee |
$0 |
$0 |
$0 |
$0 |
| Balance Transfer Fee |
$0 |
$0 |
$0 |
$0 |
| Online Cash Advance Availability |
Yes |
Yes |
Yes |
Yes |
| Free 24/7 Internet Account Access |
Yes |
Yes |
Yes |
Yes |
| Free Electronic Payment Feature |
Yes |
Yes |
Yes |
Yes |
| Free 24/7 Fraud Monitoring Service |
Yes |
Yes |
Yes |
Yes |
| Zero Liability Fraud Protection2 |
Yes |
Yes |
Yes |
Yes |
| ID Navigation by Norton LifeLock |
Yes |
Yes |
Yes |
Yes |
| Travel & Emergency Assistance Service |
No |
Yes |
No |
No |
| Rewards Program |
No |
ECU Credit Card Rewards Points Program3 |
Cash Rewards of at least 1% of net purchases. Available in $25 increments.3 |
No |
| Concierge Service |
No |
Yes |
No |
No |
1Visa Platinum Preferred eligibility based on previous lending history. 2Certain restrictions apply. 3 ECU Credit Card Rewards Program - For every dollar spent (purchases only), you earn at least one point towards various gift items.
Feature Details
Platinum Preferred Rewards Program
This program allows ECU Platinum Preferred cardholders to earn at least one point for net purchases made using their credit card. The points may be cashed in at the cardholder’s convenience for merchandise, airline tickets or other travel, gift cards and more. Members may access the rewards site via Online Banking – Additional Services or on the ECU App – More – Credit Card Rewards. Members may call 888.209.0352 for assistance or reservations. Also available to Platinum Preferred account holders is Pay-With-Points.
Cash Rewards Card Program
With the ECU Cash Rewards Visa, cardholders earn at least 1% cash back for every dollar spent (net purchases only). The minimum redemption amount is $25 and all redemptions will be paid in increments of $25. Redemption of money through Dreampoints is online only; however, cardholder may contact ECU for assistance if this is not an option.
No Fees for a Cash Advance or Balance Transfer1
ECU Visa cardholders may get cash advances using their ECU card at ATM machines, Merchant Bank locations, and online banking at no additional cost. Cash advances are easy! Members may simply transfer the funds by cash advance to their personal checking using our free 24/7 Internet account access. Balance transfers are processed by ECU. It's simple to call in with your information or submit your balance transfer online.
Free 24/7 Fraud Monitoring Service
ECU cardholder accounts are constantly monitored for suspicious or unusual card activity. In the event this type of activity is identified, ECU's fraud service will attempt to contact the member using the available phone numbers (ex. cell, home, work). If they are unable to contact the member, the card may be temporarily blocked until the transaction(s) can be verified as legitimate. If the transaction is found to be fraudulent, the card will be blocked immediately. For assistance regarding a blocked card or to report a lost or stolen card, call 800.999.2328 or 423.229.8200 anytime and choose the appropriate menu options. To avoid the possible interruption of debit or credit card usage, please notify ECU before traveling.
Zero Liability Card Protection
Visa's Zero Liability has cardholders covered against transactions that occur through the Visa system that are fraudulent. Therefore, ECU Visa cardholders can shop online or at merchants with comfort in knowing they are covered! Lost or stolen card? Worried about purchasing online? You’re covered! Certain restrictions apply. Visit Visa's website for more information.
ID Navigation by Norton LifeLock
Visa Credit Card holders can take advantage of complimentary Dark Web Monitoring, One-Bureau Credit Monitoring Alerts, Stolen Wallet Assist, and Restoration Assist features available in ID Navigation by Norton LifeLock. In addition, you can use the LifeLock Identity app to help manage your account and alerts, as well as having access to special offers on more robust identity theft offerings that include restoration features such as the LifeLock Million Dollar Protection Package.
Travel and Emergency Assistance Service
Travel and Emergency Assistance Service provides help when you need it and is available to Platinum Preferred cardholders. This service provides assistance 24 hours a day, 7 days a week for the cardholder, his or her spouse, and their children. By calling 800.992.6029, a Program Administrator will assist the cardholder or family member with referrals for medical assistance, legal council, transportation, cash advances, lost luggage locator service, ticket replacement, and many other services needed in an emergency situation. This service provides assistance and referral only. The cardholder is responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Refer to the Security Protection Guide provided by Visa for more information.
Concierge Service
Platinum Preferred cardholders can enjoy privileges and conveniences like those found at fine hotels, right from their own home, office or travel destination. The service includes: Limousine reservations and “Meet and Greet” services, global dining referral and reservations, golf course information and reservations, performance and special events information and reservations, business-related research, and flower and gift delivery. Members may call 877.860.1099 for more information.
Travel Memo Feature
If you are going to be traveling, you’ll want to use our Travel Memo Feature. To avoid the possible interruption of debit or credit card usage while traveling, you can log into Online Banking and find the form under Secure Forms, call 800.999.2328 during business hours, or log into the ECU Cards App and set your own dates of travel for immediate reporting.
1Balance transfers and cash advances do have a daily interest rate (interest will be added daily even if the balance is paid in full by the statement due date).
