There's Something About A Classic...A Visa Classic Credit Card

 
 

Reserve an oldie but goldie through the credit union you know and love.

Like a great movie or an aged wine, the Visa Classic credit card only seems to get better. Get great benefits, low rates, and the same card features you love without any additional fees. Start swiping more and paying less!

 
  • No annual fees
  • Competitive annual percentage rates
  • All-purpose transaction capabilities
  • Balance transfer options
  • Cash advances
  • Falcon Fraud Protection
Apply Online
 

Visa Classic Credit Card Rates

Check out Visa Classic credit card rates and see how they compare to those of other Greater Texas Credit Union credit cards.

 
Interest Charges Interest Rates for card types
Annual Percentage Rate (APR) for Purchases
Platinum

9.24% to 17.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Classic

7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Shared Secured

16.00% This APR is fixed rate.

APR for Cash Advances
Platinum
9.24% to 17.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Classic
7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Shared Secured
16.00% This APR is fixed rate.
APR for Balance Transfers
Platinum
9.24% to 17.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Classic
7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
Shared Secured
16.00% This APR is a fixed rate.
 

What to Expect When You Apply

Document with Table


Application

Fill out our online application
or apply at your local branch.

Document with Check Marks


Officer Review

A decision will be made
in one business day.


Finalize

Sign loan documents via
email or in person.

 

Visa Classic Credit Card FAQs

Q: How do I avoid paying interest on Visa Classic credit card purchases?

A: The simplest way to avoid interest charges is to pay your entire balance by the due date. This is 25 days after the close of each billing cycle, or at least once per month.


Q: How do you calculate my Visa Classic credit card balance?

A: Our loan officers calculate your daily balance through a system known as Average Daily Balance. Interest charges are calculated using the total amount due at the end of each day to include new purchases. 


Q: Does it cost to pay off my Visa Classic credit card balance online?

A: It is free to pay your balance online through our portal. There will be an additional $5-$10 fee for any balance paid via phone through one of our representatives.

 

See What Our Members Have To Say

“We have been members of the Aggieland "GTFCU" for 12 yrs. and have never had a problem. We use "Bill Pay" for most of our bills.  The employees have been helpful and polite.” - Carol G.


Invest in yourself and embrace the tried-and-true option with the Visa Classic credit card today.


Apply Online



*Annual Percentage Rate (APR)

The APR you receive for the subaccounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive.


Falcon Fraud Protection is an automated fraud detection service that monitors plastic card purchases. 

Lost or stolen credit card call 877-703-5978.