Flexible Options with Credit Cards, Debit Cards, HSA Cards & Visa Gift Cards

When you have the right products to make your money accessible, you can always have access to your money, no matter what happens. We offer a wide array of flexible and competitive options for many different needs. Accepted at almost every retailer in the country, the right card can keep your bases covered from the local drug store to the biggest stores in the world. 

Credit Cards

Credit cards, or cards that operate on credit to be repaid later, are a popular option that allow you to make large purchases that can be paid off in the days or months to follow. Credit cards generally require an average to above average credit history, making them less widely available than other forms of cards.

• Earn reward points that can be tracked online and redeemed for cash, gift cards, merchandise, and travel
• Free balance transfers
• Zero liability fraud protection

Debit Cards

Debit cards are a common and simple card option that is linked to your checking account. With every purchase made, money is withdrawn from your account, making its use similar to a simplified check. Debit cards are convenient, easy to use, and make tracking your spending simple. 

• Accepted anywhere 
• Low ATM fees when used out of network
• Direct access to your bank accounts
• Fraud liability protection
• Visa Purchase Alerts - enroll for specific alert triggers for account transactions which can include amount thresholds, international transactions, or card-absent transactions. Click on the following link if you already have a debit card with us and enroll today:

https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html

 

Health Savings Account Cards

Health savings account (HSA) cards can be used towards medical purchases. Attached directly to your health savings account, your HSA card can be used to buy prescriptions, pay doctor co-pays, and get the medical assistance you need whenever you need it.

Visa Gift Cards

When you want to give a cash gift with all the security of a card, a Visa gift card can be the perfect solution. Accepted anywhere Visa is accepted, a Visa gift card many options cash cannot.

• Low purchase fees
• Accepted in person, online, and over the phone
• Track balances, spending, and file disputes online

With the right financial products and cards, you can get all the services you need. Talk to us at St. Cloud Federal Credit Union to find the right option for you!