Zeal Credit Union

Visa Platinum

Achieve your goals and so much more. With credit lines up to $30,000, a Zeal Visa® Platinum card provides higher spending limits, superior purchasing power, distinct cardholder benefits and personal attention. Our Visa Platinum card is accepted at more than 24 million merchants and 800,000 ATM and cash locations worldwide.

  • ScoreCard Rewards Program
  • Auto Rental Insurance
  • Emergency Cash & Card Disbursement
  • Travel & Emergency Assistance
  • $500,000 Travel Accident Insurance
  • Warranty Manager
  • Credit Lines up to $30,000 for qualified cardholders

Zeal Visa Platinum cardholders also enjoy:

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ScoreCard Rewards Program

With a Zeal Visa® Platinum Credit Card you’ll also receive reward points redeemable for merchandise and travel through our new ScoreCard™ program. Members currently enrolled in ScoreCard can access your balance here.

With the ScoreCard program you earn one point for every dollar you spend, and there is no limit to the number of points you can receive. Your Bonus Point rewards can be redeemed for brand-name merchandise including electronics, fashion and home furnishings. Points can also be used for a variety of discount travel including airfare with no black-out dates, hotel stays and car rentals.

The more you use your Zeal Visa Platinum card, the more you can reward yourself.

  • Automatic enrollment
  • No yearly program fees
  • No enrollment fees
  • No point limit

No other credit card rewards program makes earning points easier than ScoreCard, so apply for a credit card to get started earning points today!

You can view your point balance, search and view rewards, create a wish list, update your profile and redeem your points here or by calling 800-854-0790.

 

Balance Transfers

Save money today by transferring your higher rate balances from other credit cards to a Zeal Visa® Card. The process is simple, fast and you will enjoy the convenience of consolidating multiple payments into one affordable monthly payment.

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Disclosure

Annual Percentage Rate for Purchases (APR) 8.50% Variable
9.90% Fixed

You understand that the terms of your account, including APRs, are subject to change. This means that the APRs for this offer are not guaranteed; APRs may change to higher APRs or fixed APRs may change to variable APRs. Any changes will be in accordance with your Cardholder Agreement.  The “Index” is the “Prime Rate” of interest appearing in the Money Rate section of The Wall Street Journal published on the last business day preceding the 16th day of each month.The variable rate for Purchase, Balance Transfers and Cash Advances are determined monthly by adding Prime + 4.50%.
Other APRs
Balance Transfers APR
Cash Advances APR
8.50% Variable
9.90% Fixed

You understand that the terms of your account, including APRs, are subject to change. This means that the APRs for this offer are not guaranteed; APRs may change to higher APRs or fixed APRs may change to variable APRs. Any changes will be in accordance with your Cardholder Agreement.  The “Index” is the “Prime Rate” of interest appearing in the Money Rate section of The Wall Street Journal published on the last business day preceding the 16th day of each month.The variable rate for Purchase, Balance Transfers and Cash Advances are determined monthly by adding Prime + 4.50%.
Penalty Rate APR and When it Applies 18.00%  
*Penalty Rate – If either of the following two situations occurs:
(a) your Account is 30 days past due on two separate occasions in a rolling six month period; or
(b) your Account is 60 days past due; We may impose a higher monthly Periodic Rate and corresponding Annual Percentage Rate (a “Penalty Rate”) to all outstanding balances in your Account. The Penalty Rate is a monthly Periodic Rate of 1.50% with a corresponding Annual Percentage Rate of 18.00%. The Penalty Rate will take effect on the first day of the Billing Cycle and will apply to all of your outstanding and any new Purchase and Cash Advance balances. Interest rate changes will be reflected on your periodic statement.
Variable rate information based on Wall Street Journal prime rate Your APRs may vary. The rate for Purchase, Balance Transfers and Cash Advances are determined monthly by adding Prime + 4.50%
Grace Period for repayment At least 25 days if previous total balance is paid in full by the payment due date
Annual Fee None
Minimum finance charges None
Transaction fee for purchases None
Transaction fee for ATM advances $2.00
Return check fee $25.00
Late payment fee $25.00
Over limit fee $25.00
Balance Transfer Fee No Balance Transfer Fee
For Credit Card tips from the Consumer Financial Protection Bureau 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 www.consumerfinance.gov/credit-cards/

Method of computing the balance for purchase : Average Daily Balance (including new purchases)

A one time $2 membership fee is required to be a member at Zeal Credit Union, Membership is required to receive a Visa Credit Card from Zeal Credit Union. You understand that if based upon our review you do not qualify for the Platinum Card, you will be considered for the Classic card with the same Terms and Conditions.

The information listed above is correct as of 3/17/2017 and is subject to change at any time without prior notice. To receive the most recent information, please contact Zeal Credit Union at 800-321-8570 or write to Zeal Credit Union, PO Box 51700, Livonia, Michigan 48151-5700.

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