
Visa Platinum Starter Rewards Credit Card
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.
Apply NowNew to credit? Our Visa Platinum Starter Rewards card offers the same benefits of the Visa Platinum Rewards card with a slightly lower line of credit limit.
Visa Platinum Starter Rewards
- No foreign transaction fees when you use your card overseas
- Earn Connection Points™, which can be used for gift cards, travel on ANY airline, hotel and rental cars, cruises, and brand–name merchandise.
- New cardholders earn 5,000 Bonus Connection Points with your first purchase transaction.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Visa Platinum Starter Rewards
- No foreign transaction fees when you use your card overseas
- Earn Connection Points™, which can be used for gift cards, travel on ANY airline, hotel and rental cars, cruises, and brand–name merchandise.
- New cardholders earn 5,000 Bonus Connection Points with your first purchase transaction.
CARD FEATURES
- No Annual Fee or Balance-Transfer Fee¹
- Fraud Text Alerts
- Zero Fraud Liability†
- Chip-Enabled Technology
- Online Card Management
- including travel notifications and card on/off
- Digital Wallet Payment Options
- Visa Platinum benefits:
- Travel accident insurance
- Auto rental collision insurance
- Travel and emergency assistance
- ID Navigator powered by NortonLifeLock™
- Visa account updater²
- Additional Insurance
- Credit Life
- Credit Disability
Our Rates*
-
APY as high as
0.50%
Checking Account
Priority Checking
-
APY as high as
0.40%
Savings Accounts
(Share) Savings Accounts
-
APY as high as
0.40%
Savings Accounts
IRA Savings
-
APY as high as
0.80%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective April 1, 2021.
Our Rates*
-
APR as low as
1.80%
New Auto
Vehicle Loans
-
APR as low as
1.80%
Used Auto
Vehicle Loans
-
APR as low as
5.24%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective March 10, 2021.
Our Rates*
-
APR as low as
2.658%
15-Year Fixed
Home Loans
-
APR as low as
3.159%
30-Year Fixed
Home Loans
-
APR as low as
2.819%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective March 19, 2021. View Full Disclosures.
Our Rates*
-
APR
7.00% - 12.24%
Platinum (Low Rate)
Credit Cards
-
APR
8.50% - 14.24%
Rewards
Credit Cards
-
APR
12.24%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
Our Rates*
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective April 1, 2021.
Our Rates*
-
APR
8.74% - 14.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
Our Rates*
APY as high as
0.50%
Checking Account
Priority Checking
APY as high as
0.40%
Savings Accounts
(Share) Savings Accounts
APY as high as
0.40%
Savings Accounts
IRA Savings
APY as high as
0.80%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective April 1, 2021.
APR as low as
1.80%
New Auto
Vehicle Loans
APR as low as
1.80%
Used Auto
Vehicle Loans
APR as low as
5.24%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective March 10, 2021.
APR as low as
2.658%
15-Year Fixed
Home Loans
APR as low as
3.159%
30-Year Fixed
Home Loans
APR as low as
2.819%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective March 19, 2021. View Full Disclosures.
APR
7.00% - 12.24%
Platinum (Low Rate)
Credit Cards
APR
8.50% - 14.24%
Rewards
Credit Cards
APR
12.24%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective April 1, 2021.
APR
8.74% - 14.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
EDUCATION
There's been a Credit Card Data Breach. Now What?
Here's the first steps to take when you find your personal information and credit card have been compromised.
Read more on how to handle data breaches
Gas on the Go
Protect your card when paying at the pump.

"The fraud protection staff are awesome! This year someone used/hacked my card and attempted to use it for a rental car down in Mexico. The fraud staff called and asked if I attempted to use my card in Mexico. I told them no, and they shut the card off and sent me a brand new one right away. "
Tenisha, member since 2014
¹ Please refer to the American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure and the Consumer Credit Card Agreement and Disclosure for additional important information. Credit card payments should be mailed to: American Airlines Federal Credit Union, P.O. Box 660493, Dallas, TX 75266-0493.
Visa is a registered trademark of Visa International Service Association.
² Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle. Always check with your service provider(s) to ensure there’s no interruption to your recurring payment arrangements.
† Zero Liability Policy does not apply to ATM transactions, to PIN transactions not processed by Visa, or if you were negligent or fraudulent in the handling of your card, including failure to report loss or theft in a timely manner.
Connection Points powered by CU Rewards.®
Visa is a registered trademark of Visa International Service Association.