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.
*APR=Annual Percentage Rate. Rates are subject to change at any time.
**Introductory APR on Balance Transfers is based on creditworthiness.
Credit Cards are variable rate products based on the Prime Rate as published in the Wall Street Journal.
Variable Rates are based on an evaluation of credit history; therefore, your rate may differ.
Approvals are subject to our underwriting criteria.
Repayment terms of 3% of the outstanding balance or $10; whichever is greater.
See the Credit Card Agreement & Disclosure for more details.