New and Improved Visa® Platinum Rewards Credit Card

Let our credit card work for you!

Easily access and manage your credit card through our home banking system.  If you are not registered for home banking click on the "Access My Credit Card" link above and register under "New Users."

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

Introducing our new and improved Visa Platinum Rewards Credit Card! We’ve added more benefits so that you can earn more every time you swipe. Register for uChoose Rewards to track your reward points on purchases and redeem them for gift cards, travel, activities, cash back and more!

Card Features, Rewards and Low Interest Rates

  • No annual fee
  • Credit limits up to $25,000
  • Secure online purchases with Verified by VISA®
  • Rewards & Low Interest Rates


  • Baggage Delay Reimbursement
  • Roadside Dispatch
  • Travel and Emergency Assistance Services 
  • Auto Rental Collision Damage Waiver
  • Emergency Medical & Dental Coverage
  • Purchase Security/Extended Warranty Protection
  • NortonLifeLock™
  • Dolvy Uplift™

Annual Percentage Rate for Purchases

Starting January 1, 2024, rates will reflect as low as 15.24% to 17.99% APR*, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Balance Transfer

Are you struggling with your finances?  Let XCEL help you start fresh by transferring your credit card balances to our XCEL Visa Credit Card!  Transfer your balances giving you control back and some peace of mind. Contact our Lending Department to apply:


  • Saving money by transferring your balance to a card with a lower interest rate for a defined time.
  • Using the money you would have spent on interest to reduce your debt more quickly.
  • Escaping high interest charges.
  • Consolidating your debts.
  • Moving high-interest debt to a low-interest introductory APR card could save you plenty on interest charges.
  • Having more time to pay off a balance.
  • Simplifying your financial life.

Annual Percentage Rate for Balance Transfers
After that, or if you do not qualify for the introductory APR, your APR will be 15.24% to 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. In addition, there is a 2% transfer fee.

*APR = Annual Percentage Rate.

For our full list of terms, conditions and disclosures, please click on our Visa Platinum Credit Card Benefits brochure below.

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