With a low interest rate on local purchases, the biggest reward with the VERMONT Platinum credit card is the money you can save shopping locally. Not only do you save more, you make change, simply by banking when you support a local business. Traditional rewards cards may offer cash back, but not without higher interest rates. With our low-interest rate credit card, you’re rewarded in the form of greater savings when you carry a balance because you receive
- a low standard interest rate of 12.00% APR, and
- an even lower rate of 8.00% APR on Vermont-based purchases.
CREDIT CARD HOLDERS—We have upgraded our card processor in order to offer improved services and protection. Please visit our card migration page to find out how this upgrade may affect you.
IS YOUR HOLIDAY CREDIT CARD BALANCE GROWING?
Low rates on holiday purchases mean low payments on post-holiday balances. This can be a huge relief when the holidays are over but your card balances remain. Shop for the holidays with a Vermont-based credit card that rewards you AND your local businesses.
5 HOLIDAY CREDIT CARD HABITS
Getting your credit card ready for the holiday shopping season? Here are some tips to keep post-holiday interest charges low.
MAKE YOUR HOLIDAYS MORE AFFORDABLE
Not sure how you’ll pay for the holidays? Learn five ways to reduce your payments and improve your cash flow.
SHOP LOCAL AND SAVE
You can save money and time when you shop locally this year. These simple ideas will make it easy.
7 LAST-MINUTE SHOPPING TIPS
Is the stress of holiday procrastination getting to you? These seven tips will help you get back on track.
Used responsibly, credit cards can support your lifestyle without creating debt. Check out our resources on how to spend, save, and eliminate debt so you can achieve your financial goals.
Enjoy a low standard rate of 12.00% APR for out-of-state purchases.
NO HIDDEN FEES
You won’t pay a fee for cash advances, transfers, alerts, or annual membership.
LOW RATE ADVANCES
Cash advances get the same low APR as standard purchases (and no fee!).
LOWER RATE TRANSFERS
Need to consolidate debt? Balance transfers get the low 8.00% APR.
Easily pay online at some of your favorite sites with VISA Checkout.
With the VSECU Cards app, you can view your account; report a lost or stolen card; set alerts, controls, and travel notifications; and more.
Check statements, make payments, and more 24/7 through Credit Card Online.
Cell Phone Protection
If you charge your monthly cell phone bill to your VERMONT Platinum credit card, this benefit will cover the damage or theft of your cell phone up to $200 per claim and up to $400 per year.
Auto Rental Collision Damage Waiver
This benefit reimburses you for repairs/ replacement of a damaged rental vehicle due to collision, theft, or other physical damages not covered by the auto rental company or personal insurance.
Personal Identity Theft
In the event of personal identity theft, you will be reimbursed up to $5,000 for covered expenses incurred to restore your identity as a result of a Covered Stolen Identity Event2.
Travel Accident Insurance
You are covered with a $250,000 Accidental Death and Dismemberment insurance policy. This insurance pays a cash benefit in the event of a covered injury or death due to an accident.
|For Purchases||8.00% Vermont Based Rate1
or 12.00% Standard Rate
|For Cash Advances||12.00% Standard Rate|
|For Balance Transfers||8.00% Vermont Based Rate|
APR = Annual Percentage Rate and is effective as of 11/01/2019. APRs are variable and can change monthly. A Foreign Transaction fee of 1.00% of each transaction in U.S. dollars will be charged for purchase or cash advance transactions outside the U.S.
1 The Vermont Based Rate is contingent on, and applies to purchases identified by the state code used by the merchant’s processing system. All transactions processed by merchants with a Vermont state code and balance transfers will receive the Vermont Based Rate.
2 Covered Stolen Identity Event means the theft or unauthorized or illegal use of your name, transaction card account or account number, Social Security number, or any other method of identifying you.
If you are already a member and want to apply for a product online, it’s easier to apply once you’ve logged into our Online Banking system. That way we can save you time by pre-filling the application with the general information we already have on file for you.
- FINANCIAL CALCULATOR: How long will it take to pay off my credit card?
- FREE EBOOK: Use Your Credit Cards to Save
- FREE EBOOK: 6 Tips to Improve Your Credit Score
- BLOG: Credit Card Interest Rates & Fees Explained
- BLOG: How to Pay Down Credit Card Debt
- BLOG: EMV Chip Cards: Limit Credit Card Theft
- BLOG: Nine Thrifty Ideas for Getting ahead on Payments
- BLOG: How to fix your credit report and raise your credit score