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Credit Cards

Credit Cards


  • Variable rates as low as 9.65% APR*IBMSECU Visa Platinum credit card
  • Credit limits up to $50,000
  • No Annual Fee
  • 25-Day Grace Period on Purchases
  • No Cash Advance or Balance Transfer fees
  • Special Balance Transfer offer in the first 90 days:
          5.00% APR for the life of the transaction**
  • Unlimited Cash Advances up to your available credit limit (unlike many credit cards that limit cash advance balances to a percentage of your credit limit)
  • Convenience Checks available
  • Unlike many other credit card companies we will not default to a higher rate if your payment is a few days late
  • Visa® Card Rates and Details

Additional Features

  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Travel and Emergency Assistance Services
  • Warranty Manager
  • Cell Phone Protection
  • Out-of-the-country Emergency Replacement Card

We make it easy to apply for your Visa® Credit Card!

Apply Online Now 

Or stop by your nearest Branch or contact us  at 800.873.5100, ext. 7701 or

Convenient Repayment Options

  • Transfer your payment from your account at another financial institution using eTransfers.
  • Set up email or text alerts through eMessenger Alerts for convenient payment reminders.
  • Set up recurring scheduled automatic transfers from your Credit Union checking or savings account to your loan by using Online Banking.
  • Make one-time transfers from your Credit Union checking or savings account to your loan by using Online Banking, Mobile Banking, or Telephone Banking.
  • Make payment by mail or at a branch or at a CO-OP Shared Branch.


How to choose a credit card

Calculators: Use our financial calculators to figure out how long it will take to pay off your credit card bill and more.

Helpful Hints When Traveling: Useful information for using your Credit or Debit card overseas.

Verified by VISA
Create your own personal password to ensure that only you can use your Visa® Credit Card online. Then, shop online with confidence. Click here to sign up today or call 1.866.896.4692.

Chip Technology for IBMSECU Credit and Debit cards - learn more today!


Need Help?

Activate a Visa® Platinum Credit Card?
To activate your Visa® Platinum Credit Card please contact us 24/7 at 800.873.5100 for assistance.

Lost or stolen card?
To report your Visa® Credit Card or Visa® Debit Card lost or stolen, please contact us 24/7 at 800.873.5100 or for assistance.

Lost your card while traveling overseas?
If you are overseas and calling during our business hours, Mon-Thurs 8:00 a.m. – 5:00 p.m. ET or Fri 8:00 a.m. – 6:00 pm ET, we will accept a collect call to report your card Lost or Stolen.
If you are overseas and calling outside of our business hours please contact Visa directly by locating the phone number for the country in which you are traveling.

Credit Card or Debit Card Disputes or Questions
For questions or disputes about your Visa® Credit Card or Visa® Debit Card, please call 800.873.5100 or between 8:00 a.m. and 5:00 p.m. Monday through Friday or email

Fax your Visa® Credit Card disputes to 561.226.5414.
Fax your Visa® Debit Card disputes to 561.226.5401.

Compare your card to an IBMSECU Visa Platinum

. IBMSECU Visa® Platinum
IBMSECU Platinum Card
Your Credit Card
Rate* for Purchases 9.65%-18.00% APR Variable .
Rate* for Cash Advances Same interest rate as Purchases .
Rate* for Balance Transfers as low as 5.00% .
Application Fee No .
Credit Limit $500 – $50,000 .
Annual Fee No .
Cash Advance Fees No .
Balance Transfer Fees No .
Overdraft Protection Option for Your Credit Union Checking Account Yes .
Cash Advance Balance Limit
(many cards limit cash advances to a percentage of your credit limit)
No limitation .
Reward Points No .
Grace Period on Purchases Yes, 25 days on average .
Automatic Payment Option Yes .
Late Fee Up to $35 .
Interest Rate Penalties Interest rate not increased for late payment .
Over-the-Limit Fee No .
Returned Payment Fee No .
Account Alerts on Charges and Payments Yes, to your email or mobile device .
Dispute Resolution Local, with a Credit Union employee .
Online Payment via Online Banking Yes .
Online Advances Yes, via Online Banking .
Account Management Yes, via Online Banking .
Free Travel Accident Insurance $150,000 .
Auto Rental Insurance Yes .
Identity Theft Insurance No, however this coverage is available
through your Credit Union checking
account relationship
Warranty Manager Yes .
Travel & Emergency Assistance Services Yes .
Cellular Telephone Protection Yes .
Emergency Replacement Card Yes .
Merchant Discounts Yes** .

*Rates effective 4/1/2017. Rate is dependent on credit score. Visa® Platinum index rate is the Prime Rate. Actual rate will be index plus a margin. Rate can change monthly. Prime rate as of 4/1/2017 is 4.00%.

**Variable Rate Visa® Platinum features great discounts with top merchants

For more information, please refer to our Credit Card Agreement
Learn more about the Visa Zero Liability Policy

*APR = Annual Percentage Rate. Actual loan rate will be based upon the borrower'(s) creditworthiness. Click here for full Visa® Credit Card Disclosures. Credit subject to approval and income verification. Certain conditions may apply.

**Balance Transfer rate of 5.00% APR for the life of the transaction offer valid for credit scores of 660+. Lower credit scores may receive a Balance Transfer rate of 10.00% APR for the life of the Balance Transfer transaction. Balance Transfer transactions must be processed by Credit Union personnel during the first 90 days of the life of the new credit card. Online Banking transfers and overdraft transfers are processed as Cash Advance transactions, therefore, they do not qualify as Balance Transfer transactions. Balance Transfer proceeds may not be used to pay down or towards another IBMSECU loan or debt. 5.00%/10.00% offer valid for new Visa® Platinum credit cards issued.


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