Visa® Platinum Rewards Credit Card

Let our card work for you

Your XCEL credit card is accepted everywhere Visa® is accepted.

The XCEL Visa® Platinum Rewards Credit Card is the quick, easy and secure way to make your everyday purchases. 

Card Features and Benefits

  • Rewards program available
  • No annual fee
  • Credit limits up to $25,000
  • Secure online purchases with Verified by VISA®

Fees and Interest 

  • Enjoy a low, 12-month introductory APR* of just 4.99% on balance transfers**
  • Rates as low as 11.74% APR* on purchases
  • Cash advance rates as low as 14.99% APR*
  • Low balance transfer fee and low cash advance fee


XCEL FCU is a credit union serving members in New Jersey, New York and across the country.