Give yourself some credit with an XCEL VISA® Credit Card
uChoose Rewards
All Cardholders
Kickstart your financial journey with an XCEL Visa Platinum Rewards Credit Card. Turn points into cash with Point Pay1. and enjoy added flexibility with a 5-day payment extension.
Earn 2500 points when you enroll in uChoose Rewards.
Perks
- No annual fee
- Credit limits up to $25,000
- Secure online purchases with Verified by VISA®
- Rewards & Low Interest Rates
Benefits
- Dolvy Uplift™
- Purchase Security
- Emergency Medical & Dental Coverage
- Roadside Dispatch
- Travel & Emergency Assistance
- Baggage Delay Reimbursement
*APR = Annual Percentage Rate.
For our full list of terms, conditions and disclosures, please click on our Visa Platinum Credit Card Benefits brochure Visa Platinum Rewards Credit Card Benefits Disclosure
Dovly Uplift™
Dovly Uplift™, work alongside TransUnion® credit reporting, provides detailed information to help XCEL cardholders keep up with their credit and detect and dispute inaccurate items on their TransUnion® credit reports.
Dovly Uplift™ may also help build your credit and or improve your credit score by adding positive payment history to your credit file by adding a $2,000 tradeline to your report and reporting your on-time monthly payments, and through a bill-reporting builder that can add past and ongoing rent, telecom, and utility payments to your credit history. This service requires a premium Dovly subscription*
- Review their credit report for potential errors
- Select items to dispute
- Check dispute status
- Receive alerts and recommendations
- Learn via Dovly’s financial literacy knowledge center
- Credit monitoring that alerts any 10-point change in credit score
- Credit alerts that look for signs of identity theft, along with notice of changes on cardholder’s report
- 90% of Dovly members see a double-digit credit score increase within 6 months*
- Live U.S.-based member services & support
- Convenient access via Dovly’s mobile app and website
Purchase Security
If items bought with your eligible card are stolen or damaged within 90 days, this benefit can repair, replace, or reimburse up to $10,000 per item.
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Covers items bought with your Visa card for theft or damage within 90 days of purchase.
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Maximum reimbursement is up to $10,000 per item and $50,000 per cardholder.
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Doesn’t cover items like animals, perishable goods, antiques, or vehicles.
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You need to file a claim within 60 days of the incident, and submit required documents (e.g., receipts, police reports).
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Insurance may cover after your primary insurance is exhausted
The Emergency Medical / Dental Benefit is an optional card benefit that offers supplemental coverage to eligible cardholders should an accident occur during a trip paid for with a covered Visa card. The benefit provides up to $2,500 per covered person for emergency medical and dental treatment for accidental injuries or acute medical conditions that occur during a trip. Expenses for covered hotel convalescence are also included to a maximum daily benefit of $75 per day for a maximum of five consecutive days.
P.O. Box 72034
Richmond, VA 23255
Benefits are provided for covered cardholders, their spouses and dependent children under 18 years of age (up to 25 if a full-time student). There is a $50 deductible per person. The Emergency Medical / Dental Benefit is secondary to existing medical and dental insurance.
How to file an Emergency Medical/Dental claim
1. Within ninety (90) days of receiving medical care while on an eligible Covered Trip notify the Benefits Administrator at 800 434 1280, or call collect outside the U.S. at 804 673 6499. The Benefits Administrator will answer Your questions and send You a claim form.
2. Return the claim form and the requested documentation below within one-hundred and eighty (180) days of the date of the event to the address below:
Card Benefit ServicesP.O. Box 72034
Richmond, VA 23255
Please submit the following documents:
• The completed signed claim form
• A copy of Your monthly billing statement or the travel itinerary (showing the last four [4] digits of the Account number) confirming the Common Carrier ticket was charged to Your covered Account and/or rewards program associated with Your covered Account
• If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized
• A statement from Your insurance carrier (and/or Your employer, or Your employer’s insurance carrier) or other reimbursement showing any amounts they may have paid towards the costs claimed Or, if You have no other applicable insurance or reimbursement, please provide a statement to that effect
• A copy of any other valid and collectible insurance or reimbursement available to You if applicable
• Receipts for the eligible medical/dental expenses
• Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim
Benefits are provided for covered cardholders, their spouses and dependent children under 18 years of age (up to 25 if a full-time student). There is a $50 deductible per person. The Emergency Medical / Dental Benefit is secondary to existing medical and dental insurance.
Roadside Dispatch® is an optional card benefit, available to issuers at no cost. Roadside Dispatch provides Visa cardholders with 24-hour access to roadside assistance by calling 800 847 2869. This pay-per-use roadside assistance program is provided expressly for Visa cardholders. See terms below.*
- Standard towing up to five miles included1
- Tire changing (must have good, inflated spare tire)
- Jump starting
- Lockout service (no key replacement)
- Fuel delivery (up to five gallons plus the cost of fuel)
- Standard winching
Travel & Emergency Assistance
Travel and Emergency Assistance Services represents yet another valuable customer incentive for carrying your financial institution's card. It provides a high level of quality service to cardholders, allowing you to position your card product as a "frequent traveler's" card—a product designed for cardholders who appreciate the added care and attention. Travel and Emergency Assistance Services covers eligible Visa cardholders (including their spouses and dependent children under 22 years of age who are traveling with them). See terms below.*
To use the services, simply call toll-free, 24-hours a day 800 992 6029. If you are outside the United States, please call collect 804 673 1675.
- Pre-Trip Assistance: Provides information about health precautions, weather reports, currency exchange rates, visas and immunizations.
- Medical Referral Assistance: Provides medical referral, monitoring and follow-up.
- Emergency Transportation Assistance: Arranges for transportation under medical supervision.
- Emergency Message Service: Relays emergency messages for travelers and is available 24 hours a day.
- Prescription Assistance and Valuable Document Delivery Arrangements: Accommodates unexpected prescription needs or transports critical documents, which may have been left at home or elsewhere.
- Legal Referral Assistance: Arranges contact with English-speaking attorneys, U.S. embassies and consulates, bail-bond assistance, cash advances and follow-up assistance.
- Emergency Ticket Replacement: Arranges for the replacement and delivery of new tickets and assists with ticket-reimbursement procedures.
- Lost Luggage Locator Service: Arranges cash advances required due to lost luggage and assistance with obtaining applicable insurance payments when the carrier is unable to locate lost items.
- Emergency Translation Service: Provides telephone assistance in all major languages and helps find local interpreters, if available.
Baggage Delay Reimbursement
This service helps when your baggages are delayed or misdirected for more than 4 hours, you can be reimbursed for essential items you may need to purchase while you wait for your bag to arrive. The maximum benefit is $100 per day up to a maximum of 3 days.- To initiate your claim, go to www.eclaimsline.com or call 1-877-257-8152, outside the U.S., you can call collect at 1-804-281-5790
Disclosures
APR = Annual Percentage Rate. Current APR will be 13.49% to 18.00%, based on your creditworthiness.
1. Rewards points conversion through Point Pay is subject to program terms and may vary. Rates, terms, and conditions are based on creditworthiness and are subject to change. Other restrictions may apply.
Roadside Dispatch
Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county-maintained road only.
The current fee for a standard service call is $79.95. Additional fees may apply for winching services under certain circumstances. Service call fees are subject to change at any time; however, callers will be notified of pricing prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.
1 Any vehicle with wheels is covered under the program as long as it is classified as "light duty." "Light duty" vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles that weigh more than 10,000 lbs. are considered "medium duty" or "heavy duty" and are NOT covered under this program.
Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor the issuer shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other "off road" areas not accessible by ordinary towing vehicles. Weather conditions, time of day and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor the issuer provides any assurances as to the ability of the service provider to meet such estimates. The cardholder is responsible for any roadside assistance or towing charges incurred by facilities responding to their request even if they are not with their vehicle or their vehicle is gone upon their arrival. Twenty four-hour roadside assistance services provided by Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation.
Travel & Emergency Assistance
Travel and Emergency Assistance Services is provided on a best-efforts basis, and may not be available due to time, distance or location. Visa, its Visa third-party service provider and their contractors are not responsible for the availability, cost, use or results of any medical, legal or transportation service. Travel and Emergency Assistance Services provides assistance and referral only; cardholders are responsible for the cost of any actual medical, legal, cash advance or other service used.
**New cardholders can earn 5,000 bonus points when they spend $1,000 or more on eligible purchases on their Visa® Platinum Rewards Credit Card within the first 60 days of account opening. Bonus points will be credited to your uChoose Rewards account within 90 days of meeting the spending requirement. Qualifying purchases must be new retail transactions; balance transfers, cash advances, and ATM withdrawals are excluded. Accounts must be open, active, and in good standing at the time of bonus fulfillment. This promotional offer is available for a limited time and exclusively for new XCEL Federal Credit Union credit cardholders and may be modified or withdrawn at any time.
