With Rewards
APR as low as
12.24%
Variable Rate
Disclosure Information
What happens when you combine the tremendous value of the Visa Rewards card and the strong tradition of Utah State University? You get The Aggie Card from USU Credit Union!
Choose from two card designs – the athletic U-State logo or iconic academic “A” – to show your Aggie pride!
Features available with this card:
Account Access
Review your Visa credit cards, including available balances and transaction history, 24/7 from the convenience of your personal computer or mobile device.
Card Controls
With Card Controls, members enjoy greater Visa card security. Disable your lost or stolen Visa cards immediately right from your mobile phone.
Mobile Wallets
USU Credit Union Visa credit cards can be activated on several mobile wallets including Apple Pay, Google Pay and Samsung Pay to make purchases with your authorized mobile device.
Instant Issue
Why wait 7-10 business days for your Visa credit card to arrive in the snail mail? All USU Credit Union branches offer Visa card instant issue, giving you immediate access to your line of credit!
Contactless Payment
Goldenwest Visa credit cards feature contactless technology for a fast, easy, and secure checkout.
eAlerts
Visit the online branch to enroll in eAlerts to receive customized texts and/or email messages about transaction activity, funds availability and payment due dates for your Visa cards.
EMV Chip Security
USU Credit Union Visa credit cards feature EMV microchips to better store and protect your personal account information.
Porch Theft Protection
You’ve made the ultimate purchase and have received notification that your package was delivered, but when you get home your porch is empty. You don’t get frustrated, because you bought the item with your eligible VISA card so you may be covered with Theft Only Purchase Security.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Basic
10.74% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards and The Aggie Card
12.24% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% - 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% - 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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 http://www.consumerfinance.gov/learnmore.
1.50% of the amount of each cash advance
- Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date:
The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Basic, Visa Rewards, The Aggie Card, Simply Platinum, Simply Platinum
Rebate, Visa Signature, and Visa Share Secured are secured credit cards. Credit extended under this credit card
account is secured by various personal property and money including, but not limited to: (a) any goods you
purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate
Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding
shares in an Individual Retirement Account or in any other account that would lose special tax treatment under
state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
$22.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
