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Visa® Credit Card

Highlights

Reward points - Earned for each dollar spent, reward points add up quickly and can be redeemed for travel and merchandise. Use your card for all your shopping and bills - the reward points will add up even faster!

No annual fee - Yes! No annual fee! Unlike many credit cards that offer rewards, the Alaska USA Visa® Credit Card has no annual fee for Alaska USA checking account holders.

Smart Chip Technology - Use your card at millions of retailers and ATMs in more than 150 countries worldwide.

Low, fixed rate - As low as 10.5%, with no penalty rates.

No fee for foreign transactions - Making traveling abroad easier and more affordable.

Apple Pay - Apple Pay is an easy, secure way to make purchases at participating merchants using your iPhone or Apple Watch. Registering your card is quick and easy!

Rewards

ScoreCard™ Rewards

Every time you make purchases with your Alaska USA Visa® Credit Card, you earn ScoreCard points — and more points means more rewards!

Your reward points can be redeemed for air travel on virtually any airline, hotel stays, cruises, and name-brand merchandise.

Travel rewards

The Alaska USA travel rewards program features flexibile travel rewards and few restrictions.

Flexible Flight Rewards

  • Flights start at only 10,000 points
  • Book flights as close as 3-days in advance
  • No Saturday night stay requirements
  • No origination or destination restrictions

Enhanced Travel Rewards

You can redeem your points for hotel & resort stays, rental cars and trip enhancing activities.

  • Tour the dazzling Las Vegas strip at night by helicopter
  • Plan your weekend getaway to New York’s Theatre District and stay at the popular New Yorker Hotel
  • Reserve passes to Universal Studios Florida

Preview travel rewards

Merchandise Rewards

Choose from hundreds of items to view, dream about, redeem and enjoy. Select from electronics, sporting goods, appliances, jewelry, toys, and other awards!
Redeem points any time, or save them to earn higher value awards. And remember - shipping is free!

Preview merchandise rewards

Benefits

Visa Credit Card benefits

In addition to the rewards program, your Alaska USA Visa® Credit Card includes the following benefits:

Travel benefits - Use your Alaska USA Visa Credit Card for your travel expenditures and you can be eligible for:

  • Rental car insurance
  • Lost luggage
  • Travel emergency assistance
  • Travel accident insurance

Apple Pay - Apple Pay, a mobile wallet, allows you to make purchases with ease and confidence knowing your personal information is protected and safe.

  • There’s no charge to add your card to Passbook; or to use Apple Pay.
  • Apple Pay uses tokenization to protect personal data, transaction and card information.
  • View the 10 most recent transactions.

Smart Chip Technology - Use your card at any location that accepts Visa credit cards.

Alaska USA Visa Credit Cards come equipped with smart chip technology for secure international shopping and is accepted in more than 150 countries. Rest assured knowing that your information is safe, whether you’re using your card to buy groceries across the street, or to buy souvenirs on your international vacation.

If you’re planning to travel to a foreign country, please call the Member Service Center at (800) 525-9094 to request your chip card. Letting Alaska USA know your travel plans will help to ensure you can make purchases with ease and confidence while outside of the U.S.

Warranty Manager Service - Use your Alaska USA Visa Credit Card and your purchases are eligible for warranty registration and extended protection.

Online

Online Credit Card Access

You may conveniently view your recent Visa® activity online using online account access.

To view your Visa activity

  1. Log in to your Alaska USA account
  2. Below the Account Information tab, click the "VISA" link.
  3. After the Visa credit card information page loads, click the "View Account" button to connect to your visa information in a new window.
  4. When you are done viewing your Visa information, click the "Log Off" link on the left of the page. You can now close the nwindow.

To make credit card payments online

Pay from an Alaska USA account:

  1. Log in to your Alaska USA account
  2. Click the "Transfers and Withdrawals" tab.
  3. Select the account from which you wish the payment to be withdrawn.
  4. In the "To:" dropdown, select "Visa card ending in xxxx".
  5. Enter the payment amount and click "Transfer". Payments will not be shown on your Visa activity immediately.

Pay from any financial institution:

  1. Log in to your Alaska USA account
  2. Click the "Visa" link in the blue bar below the tabs.
  3. Select the "View Account" button to access your card information.
  4. On the left-hand side of the screen, select the "Make a Payment" link. This will expand to provide additional selections. Choose the "Manage Payment Accounts" option.
  5. From here, you can "Add a new payment account" from any financial institution.

Visa transaction history is provided jointly by Alaska USA and its credit card processing contractor.

Terms

Visa®Credit Card Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases 1.9% introductory APR on purchases made through January 31, 2019, and on any unpaid balance for those purchases through January 31, 2020.

After January 31, 2019, your APR for purchases will be 10.5%, 12.5%, or 14.5%

After January 31, 2020, your APR on any unpaid balance for purchases made through January 31, 2019 will be 10.5%, 12.5%, or 14.5%

APR for Balance Transfers 10.5%, 12.5%, or 14.5%
APR for Cash Advances 10.5%, 12.5%, or 14.5%
Penalty APR and When it Applies none
Paying Interest You have 25 days to repay your balance for Purchases before being charged a finance charge. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore/.


Fees
Annual Fee $50 (waived for Alaska USA checking account holders)

Transaction Fees
- Cash Advance 2% of the cash advance amount ($10 maximum)
- Foreign Transaction No fee

Penalty Fees
- Late payment Up to $35
- Returned Payment Up to $20

How Alaska USA will calculate your balance: We use a method called "average daily balance (including new purchases)". See your account agreement for more details.

Billing rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your account agreement.

Prior to October 1, 2018

Visa Credit Card Agreement 10.5% (PDF 177KB)
Visa Credit Card Agreement 12.5% (PDF 177KB)
Visa Credit Card Agreement 14.5% (PDF 177KB)

After October 1, 2018

Visa Credit Card Agreement 10.5% (PDF 177KB)
Visa Credit Card Agreement 12.5% (PDF 177KB)
Visa Credit Card Agreement 14.5% (PDF 177KB)

If you have pledged or later pledge collateral to secure an obligation, another debt, or other credit with Alaska USA (other than for real property), credit extended under this card is secured by that collateral.

Secured card

Secured Visa Platinum

Build your credit history with an Alaska USA Secured Visa® Card. It works like a regular credit card, but it's backed by funds on deposit in your Alaska USA savings account.

When you carry an Alaska USA Secured Visa Card, you get platinum-level benefits, including ScoreCard™ points redeemable for travel and merchandise. There's a minimum of $500 you need to keep on deposit, but that also qualifies you for an Alaska USA Relationship Checking account with no monthly maintenance fees.

And if you have an Alaska USA checking account, the typical $50 annual Visa card fee is also waived.

Apply for the Secured Visa today and begin building a positive credit history!

Account terms

Normally, a member in good standing may be granted a Secured Visa credit card in an amount equal to the amount of share savings placed on hold with a minimum limit of $500.

If you have pledged or later pledge collateral to secure an obligation, another debt, or other credit with Alaska USA (other than for real property), credit extended under this card is secured by that collateral.

Secured Visa Platinum Credit Card Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases 1.9% introductory APR on purchases made through January 31, 2019, and on any unpaid balance for those purchases through January 31, 2020.

After January 31, 2019, your APR for purchases will be 14.5%

After January 31, 2020, your APR on any unpaid balance for purchases made through January 31, 2019 will be 14.5%

APR for Balance Transfers 14.5%
APR for Cash Advances 14.5%
Penalty APR and When it Applies none
Paying Interest You have 25 days to repay your balance for Purchases before being charged a finance charge. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore/.


Fees
Annual Fee $50 (waived for Alaska USA checking account holders)

Transaction Fees
- Cash Advance 2% of the cash advance amount ($10 maximum)
- Foreign Transaction No fee

Penalty Fees
- Late payment Up to $35
- Returned Payment Up to $20

How Alaska USA will calculate your balance: We use a method called "average daily balance (including new purchases)". See your account agreement for more details.

Billing rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your account agreement.

Prior to October 1, 2018

Secured Visa Credit Card Agreement (PDF 177KB)

After October 1, 2018

Secured Visa Credit Card Agreement (PDF 177KB)

The intent of this program is to provide credit cards to members who would not otherwise qualify for an unsecured credit card because of insufficient credit experience or poor past credit history.  Approval of secured credit card requests requires a completed credit card application and no evidence or indication of current or future credit problems. Additionally, members who have caused the credit union to suffer a financial loss will not be eligible for this program.

Establishment of unsecured credit card credit limits may be considered after two years' satisfactory performance on a secured basis.  Approval of such unsecured limits requires loan officer review of a current application and underwriting consistent with usual standards.

Infosheets

Find out more

Million Points Mania

Security

Fraud Monitoring & Alerts

To protect members from fraud, Alaska USA credit cards are being monitored real-time for unusual activity 24/7, 365 days a year.

If unusual activity is suspected, we will notify you immediately and work with you to take the appropriate steps to determine if your card has been compromised and resolve the situation as soon as possible.

Zero Liability Protection

Rest assured you are protected from being held financially responsible for fraudulent purchases made with your card.

Card Security

If you've misplaced your Alaska USA Visa Credit Card, simply lock it using the Alaska USA app to prevent unauthorized purchases. Once you find it, it's just as easy to unlock it so you can get back to your day.

Visa Checkout®

You can use your Alaska USA credit card for Visa Checkout purchases. Visa Checkout makes online purchases fast, easy, and secure.