0% For 12 Months On Purchases & Balance Transfers

Yes! You can easily apply for any of our credit cards online. Whether you’re looking to reward yourself with 1.5x points, take advantage of our low APR offering, or establish your credit, Velocity Credit Union has the right option for you.

Applying is quick and secure. Get started here. 

(Important disclosures: English, Español.)

Velocity Credit Union offers a variety of credit cards designed to fit your financial needs.

Mastercard Platinum with CURewards

• Earn 1.5x rewards points from every $1 in spend
• 0% intro rate for 12 months on all purchases and Balance Transfers
• Redeem points online for CASH, dining, merchandise, gift cards (including Amazon®, Target® and dozens more), and travel rewards
• No annual fee

Mastercard Platinum

• Low APR
• 0% intro rate for 12 months on all purchases and Balance Transfers
• No annual fee

Mastercard Classic Secured

• Our secured credit card is great for establishing or rebuilding credit.
• 14.99% APR for purchases and balance transfers
• 16.99% for cash advances
• Backed by funds set aside from your Velocity savings account
• Low $20 annual fee

Explore all of our credit cards on our credit cards page and find the right card for your lifestyle today!

Managing your credit cards is simple with Velocity online banking and our mobile banking app. Whether you have one of our credit cards with zero interest for 12 months, a low-APR credit card, or a credit card with rewards, you can easily track spending, view statements, and make payments online.

Here’s how you can pay:

• Online or mobile banking, where you can also view transactions and statements, as well as manage your credit card. First-time users may need to enroll their card
• Over the phone by calling Member Services at 1-(866)-591-2910 (a $6 fee applies)
• By mail, sending payments to:
  Mastercard
  PO Box 660493
  Dallas, TX 75266-0493

A debit card is linked directly to your checking account, so purchases are deducted immediately from your available balance. It doesn’t build credit but offers convenient access to your funds without borrowing.

A credit card gives you the flexibility to finance larger purchases over time, making it a great tool for managing expenses. Plus, you’ll earn more rewards on purchases compared to a debit card, helping you get even more from your spending. Both our credit and debit cards come with built-in fraud protection, so you can shop with confidence. While our debit card also earns rewards, the earn rate is lower than credit—so if maximizing points is your goal, a credit card is the way to go! 

With CURewards, your Velocity card spending earns you points that can be redeemed for a variety of exciting rewards.

• Cash Back & Gift Cards – Redeem points for cash or gift cards from top brands like Amazon®, Best Buy®, Target®, Disney®, and more.
• Merchandise – Choose from premium brands such as Apple®, Sony®, Samsonite®, Weber®, and Dooney & Bourke®.
• Travel Rewards – Use points for flights, hotel stays, rental cars, cruises, and unforgettable getaways, including trips to Hawaii, Europe, the Caribbean, and beyond.

Earning points is easy! Simply use your Velocity card for every purchase and earn points. 

Track and redeem your points anytime at CURewards.com. Rewards start at just under 1,000 points!

Learn more about CURewards and start earning today by visiting our Card Rewards page.

Absolutely! Your Velocity card works seamlessly with Apple Pay, Google Pay, and Samsung Pay, giving you a faster, safer way to pay. Simply add your card to your favorite mobile wallet and enjoy secure, contactless payments in-store, online, and in apps—no need to carry your physical card! Tap, pay, and go with confidence wherever digital payments are accepted.

Setting up Apple Pay, Google Pay, or Samsung Pay is quick and easy. Visit our Mobile Wallet page for step-by-step instructions and start making secure payments today.

Yes! You can use your Velocity credit card to pay off another credit card with a balance transfer—and right now, enjoy 0% interest for 12 months on transferred balances! Take advantage of this offer to consolidate debt, save on interest, and simplify your payments. Start your balance transfer today and take control of your finances!

For the most up-to-date information on our rates, including credit cards, loans, and deposit accounts, visit our rates page.

For a detailed breakdown of any applicable fees, check out our fee schedule. 

At Velocity Credit Union, we believe in transparency—no hidden fees, just great rates and services designed with you in mind!