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Surprise costs? Boring. Our Visa® credit cards give you instant access to funds. Find the card that fits your lifestyle.

Key Features

Competitive Rates

Reward Points

No Annual Fee

Features Classic Platinum II Platinum I Platinum Elite
APR 17.90% 11.90% 9.90% 7.90%
Annual Fee None None None $25
Balance Transfer Fee None None None None
ATM Cash Advance Fee 50¢ 50¢ 50¢ 50¢
Foreign ATM Transaction Fee Up to 1% of each transaction Up to 1% of each transaction Up to 1% of each transaction Up to 1% of each transaction
Late Payment Fee $25 $25 $25 $25
No Cost Travel Protection1 Yes Yes Yes Yes
Debt Protection2 Yes Yes Yes Yes
CURewards3 N/A Yes N/A  N/A
24/7 Member Service Assistance4 Yes Yes Yes Yes

1When you charge to your covered credit card the fare(s) for travel on a common carrier, you, your spouse, and dependent children under the age of 19 (25 years if a full-time student attending an accredited college or university) will be automatically covered for accident insurance covering accidental death and dismemberment. Coverage is also provided while traveling on a common carrier directly to or directly from an airport, train, or ship terminal on which the Cardholder was a fare-paying passenger.

2Debt Protection is available for a nominal cost.

3CURewards Terms & Conditions: Earn 1 point per dollar spent on purchases; returns will be deducted from the bonus point calculation. There is no limit to the amount of points you can earn. (Platinum II Rate Only.)

424/7 On-line Card Member Service Assistance (excluding Thanksgiving Day, Christmas Day, and New Year’s Day).

Manage your credit card anytime. Go to our Online Credit Card Access System to view transactions, make payments, retrieve your eStatements, and more.

To make your credit card payment by mail, be sure to include your VISA card number on your check and mail payments to: 

Ball State FCU

PO Box 7150

Charlotte, NC 28272-1050

Platinum II cardholders can earn points for travel and merchandise with CURewards. Track and redeem your points online.

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