Credit Cards

Whether you’re looking to earn points for all of your everyday spending, seeking a lower rate to transfer balances or trying to build (or rebuild) your credit, we have a Visa® credit card that is right for you.

Visa Signature® Cash Back

Earn 2% cash back for all of your everyday spending, plus enjoy no annual fee and no foreign transaction fees. Receive a rebate up to $100* for Global Entry® or TSA PreCheck.® Additionally, receive special access to unforgettable experiences when you use your Visa Signature Cash Back credit card—from fine wine and food events, luxury hotels and premium car rental service to once-in-a-lifetime sporting events, shopping and more.

Learn more about Visa Signature Cash Back.

Credit card rates and fees

Visa Platinum Rewards

With our Visa Platinum Rewards credit card, travel the world with no foreign transaction fees and earn Connection Points™ for all of your everyday spending. Plus, enjoy no annual fee.

Learn more about Visa Platinum Rewards.

Explore more about Connection Points.

Credit card rates and fees

Visa Platinum Low Rate

If you’re looking to transfer a balance or regularly carry a balance and looking for a card that offers a great interest rate, the Visa Platinum Low Rate credit card is the right card for you.

Learn more about Visa Platinum Low Rate

Credit card rates and fees

Visa Platinum Secured

For those looking to build (or rebuild) their credit history, our Visa Platinum Secured card is an excellent option. Secure as little as $250 or as much as $5,000 in a premium dividend-bearing savings account to enjoy this low-rate card.

Learn more about Visa Platinum Secured

Credit card rates and fees

Visa Platinum Starter Rewards

If you’re just starting out and are looking for your first credit card for you or a dependent family member, our Visa Platinum Starter Rewards card offers the same benefits of the rewards card with a lower line of credit limit.

Learn more about Visa Platinum Starter Rewards

Credit card rates and fees

Visa Business Platinum

Our low-rate card enables business owners to control their business expenses by allowing multiple cards under one account.

Learn more about Visa Business Platinum

Learn more about Business Services

Credit card rates and fees

Visa Signature® Cash Back

Earn 2% cash back for all of your everyday spending, plus enjoy no annual fee and no foreign transaction fees. Receive a rebate up to $100* for Global Entry® or TSA PreCheck.® Additionally, receive special access to unforgettable experiences when you use your Visa Signature Cash Back credit card—from fine wine and food events, luxury hotels and premium car rental service to once-in-a-lifetime sporting events, shopping and more.

Visa Platinum Rewards

With our Visa Platinum Rewards credit card, travel the world with no foreign transaction fees and earn Connection Points™ for all of your everyday spending. Plus, enjoy no annual fee.

Visa Platinum Low Rate

If you’re looking to transfer a balance or regularly carry a balance and looking for a card that offers a great interest rate, the Visa Platinum Low Rate credit card is the right card for you.

Visa Platinum Secured

For those looking to build (or rebuild) their credit history, our Visa Platinum Secured card is an excellent option. Secure as little as $250 or as much as $5,000 in a premium dividend-bearing savings account to enjoy this low-rate card.

Visa Platinum Starter Rewards

If you’re just starting out and are looking for your first credit card for you or a dependent family member, our Visa Platinum Starter Rewards card offers the same benefits of the rewards card with a lower line of credit limit.

Visa Business Platinum

Our low-rate card enables business owners to control their business expenses by allowing multiple cards under one account.

Compare Our Cards



APR as low as^
16.00%
13.75%
12.25%
17.49%
Rewards
2% cash back
1 point for every $1 spent
None
None
Annual Fee^
None
None
None
None
Foreign Transaction Fee^
None
None
1%
1%
Credit Limit (Min-Max)
$5,000 - $50,000
$500 - $50,000
$500 - $50,000
$250 - $5,000

^ Credit Card Rates and Fees. Rates Subject to Change. APR is Annual Percentage Rate.

** Also available to members with a limited credit history as our Starter Card with an APR of 18.00%.

Compare Our Cards

^ Credit Card Rates and Fees. Rates Subject to Change. APR is Annual Percentage Rate.

** Also available to members with a limited credit history as our Starter Card with an APR of 18.00%.

Our Rates^

  • APR

    16.00% - 18.00%

    Signature Cash Back

    Credit Cards

  • APR

    13.75% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    12.25% - 17.49%

    Platinum Low Rate

    Credit Cards

  • APR

    17.49%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2024.

Our Rates^

  • APY as high as

    2.38%

    Savings

    Share/IRA Accounts

  • APY as high as

    5.50%

    Short-Term Share Certificate

    Share Certificate

  • APY as high as

    5.12%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.33%

    Ladder Certificates

    Share/IRA Certificates

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective February 1, 2024.

Our Rates^

  • APR as low as

    4.94%

    New/Used Auto

    Up to 36 Months

  • APR as low as

    5.69%

    New/Used Auto

    Up to 60 months

  • APR as low as

    6.74%

    RV

    Vehicle Loans

  • APR as low as

    6.49%

    Boat/Airplane

    Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1,2024.

Our Rates^

  • APR as low as

    6.464%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.710%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.204%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    5.875%

    5/10 Fixed

    Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 19, 2024.  View Full Disclosures.

Our Rates^

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.40%

    Business Savings Account

    (Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective February 1, 2024.

Our Rates^

  • APR

    13.99% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

Our Rates^

APR

16.00% - 18.00%

Signature Cash Back

Credit Cards

APR

13.75% - 18.00%

Platinum Rewards

Credit Cards

APR

12.25% - 17.49%

Platinum Low Rate

Credit Cards

APR

17.49%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2024.

APY as high as

2.38%

Savings

Share/IRA Accounts

APY as high as

5.50%

Short-Term Share Certificate

Share Certificate

APY as high as

5.12%

Share Certificate

Share/IRA Certificates

APY as high as

4.33%

Ladder Certificates

Share/IRA Certificates

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective February 1, 2024.

APR as low as

4.94%

New/Used Auto

Up to 36 Months

APR as low as

5.69%

New/Used Auto

Up to 60 months

APR as low as

6.74%

RV

Vehicle Loans

APR as low as

6.49%

Boat/Airplane

Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1,2024.

APR as low as

6.464%

15-Year Fixed

Home Loans

APR as low as

6.710%

30-Year Fixed

Home Loans

APR as low as

7.204%

5/1 Arm (30-Year)

Home Loans

APR as low as

5.875%

5/10 Fixed

Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 19, 2024.  View Full Disclosures.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.40%

Business Savings Account

(Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective February 1, 2024.

APR

13.99% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

Mobile & Digital Services

We understand your on-the-go account access needs.

Mobile Apps

Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!

GET THE APPS

Download from the Apple Store

Download from Google Play

  • Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
 Mobile services require web access. Check with your wireless carrier for any fees that may apply.
Apple Watch is trademark of Apple Inc.
Google Play is a registered trademarks of Google LLC.

Digital Wallet

Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.

Apple Pay and Apple Watch are trademarks of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.
Google Pay and Google Play are registered trademarks of Google LLC.
Visa is a registered trademark of Visa International Service Association. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Financial Management Tools

Our budget and finances feature allows our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track:

  •  Personal Finance Manager and Credit Monitoring.
Learn More

MARKETPLACE

With our one-stop shop for financial apps, you can select from a set of third-party apps to help you run your business, pay down loans fast, donate to charities and much more – all in one convenient location.

Please note: Fees and qualifications vary by app.

Apps include:

  1. Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
  2. Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
  3. Givio Individuals can donate to more than 1.6 million 501(c)3 nonprofits – or support a cause from a list of local nonprofits – directly from their bank account.
  4. OneDigitalTrust Users of this estate- and inheritance-planning platform can create legal documents, including wills, living trusts, healthcare and financial powers of attorney and others.
  5. Trustworthy® Successful modern families can collaborate with loved ones and advisors to protect and organize their most important information. Secure items like family IDs, money, property, passwords, insurance, tax records, estate documents, contacts, and more – all in one place.

To register: Use a browser to log into online banking and select “Marketplace” to get started. Your Marketplace apps can be managed through the Credit Union app after completing registration on a browser.

American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party

Message and data rates may apply. Check with your mobile provider.

* Each Eligible Cardholder account can receive one (1) Global Entry statement credit equal to one hundred United States dollars ($100 USD) every four (4) years; or two (2) TSA PreCheck program statement credits up to one hundred dollars ($100) every four (4) years.  After the first occurrence of the airport security credit, Visa will start the four (4) year clock on eligibility from the award generation date. The account (individual 16-digit account number) will again be eligible for an airport security credit after four (4) years from the initial award generation data.

The TSA PreCheck trademark is used with the permission of the U.S. Department of Homeland Security.

Connection Points powered by CURewards.®

Visa and Visa Signature are registered trademarks of Visa International Service Association.