We have the credit card you're looking for.
Whether you prefer cash back, a low interest rate, or a rewards program, Empeople has a credit card to suit your needs. We understand that you want to manage your cards on the go at the convenience of your own device – laptop, desktop, tablet, or smartphone – 24 hours a day, 7 days a week. We make this possible through our online account management tool.
To make life even easier, we suggest enrolling in card alerts to monitor card activity, and for even more protection, we have already enrolled you in fraud alerts.
Credit Card Application Process
During the application process, we review your FICO score to determine the best options for you.
It’s important for you to understand what goes into your FICO score, so please read more about them here or review frequently asked questions. As always, please reach out with any questions you may have.
Empeople Signature Visa
Details
-
- 1.5% cash back on every purchase
- No annual fee
- Sign On Bonus: $200 statement credit after a minimum of 5 transactions totaling $500 or more spend within the first 90 days
- 24/7 cardholder assistance 833-254-6384
Empeople Platinum Plus Visa
Details
-
-
- One point per $1 spent: redeem points for travel rewards, merchandise, gift cards or cash
- No annual fee
- Earn and redeem CU Rewards – Simply, log in to Digital Banking to start
- Sign On Bonus: 10,000 points after a minimum of 5 transactions totaling $500 or more in spend within the first 90 days
- 24/7 cardholder assistance 833-254-6384
-
Empeople Platinum Visa
Details
-
-
- Low rate
- No annual fee
- Sign On Bonus: $50 statement credit after a minimum of 5 transactions totaling $500 or more in spend within the first 90 days
- 24/7 cardholder assistance 833-254-6384
-
Compare Card Benefits & Rates
| Interest Rate and Calculations | Visa Signature | Platinum Plus | Platinum |
|---|---|---|---|
| Annual Percentage Rate | as low as 15.25% to 17.99% | as low as 12.90% to 17.99% | as low as 11.90% to 17.99% |
| APR for Balance Transfer | as low as 15.25% to 17.99% | as low as 12.90% to 17.99% | as low as 11.90% to 17.99% |
| APR for Cash Advance | 17.90% | ||
| Penalty APR* | 17.90% | ||
| Balance Computation Method | Average daily balance (excluding new purchases) | ||
| Balance Transfer / Consolidation | Merchandise Rate 2% of each transfer amount ($10 minimum and $75 maximum) |
||
| Credit Limits Starting at | $5,000 | $500 | $500 |
| Grace Period | 25 days for purchases/0 days for cash advances | ||
| Minimum Finance Charge | NA | ||
| Minimum Monthly Payment | 2% of balance or $10 whichever is greater | ||
| Foreign Transaction Fee | $0 | ||
| Concierge Service | Yes | NA | NA |
| Sign On Bonus | $200 statement credit after a minimum of 5 transactions totaling $500 or more in spend within the first 90 days | 10,000 points after a minimum of 5 transactions totaling $500 or more in spend within the first 90 days | $50 statement credit after a minimum of 5 transactions totaling $500 or more in spend within the first 90 days |
| Other Card Benefits | Visa Credit Card Travel Accident and Baggage Delay Insurance; Visa Credit Card Benefits Guide | ||
* Penalty APR applied when 2 or more billing cycles past due. If APR is increased for this reason, Penalty APR applies until 6 consecutive payments made when due. All loans issued are subject to credit approval. Click to view all VISA disclosures.
Set Up Card Controls
Set alerts, controls and spending limits for all your Empeople cards. Control how, when, and where your cards are used.
Add Your Card to Mobile Wallet
Add your Empeople credit card to mobile wallet and use Apple Pay®, Samsung Pay® or G Pay® to pay for purchases with a seamless and cardless experience.
Which Empeople Visa Card is Best?
Empeople offers three Credit Card Programs: Platinum, Platinum Plus and Signature. Depending upon how you use your card, our three card programs pay you back with a Lower Interest Rate, Merchandise and Travel Rewards or 1.5% Cash Back
Empeople Visa Signature offers 1.5% Cash Back, every day, on every purchase and no rotating categories
Empeople Visa Platinum offers a lower interest rate, which may benefit you if you cary a balance – up to 1% less than Platinum Plus
Empeople Visa Platinum Plus offers rewards, one point per dollar spent. Redeem Points for Travel Rewards, Merchandise, Gift Cards or redeem points as a cash rebate to your Empeople savings or checking account or Visa statement credit.
What is the maximum limit on a Credit Card?
Credit limits are based on individual credit history, credit score, income and relationship with the Credit Union. To learn more you may call us at 1-800-338-6739.
Do you have a Credit Card with rewards?
Yes we do. Our Visa Platinum Plus card has all the great benefits of our Visa Platinum card, plus Rewards! For every dollar you spend in purchases, you earn rewards points. Use your points to choose from travel and merchandise rewards along with event tickets, gift cards and account credits. Rewards are subject to terms and conditions.
Plus, the New Empeople Visa Signature Card offers 1.5% Cash Back. No rotating categories, no limits, rewards do not expire and there is no annual fee.
Applying for your Empeople Visa is easy.You can either complete an application in Digital Banking (once logged in, click on Loan Requests tab), or call us at (800) 338-6739.
Can I get my Credit Card interest rate lowered and do you match other credit unions' interest rates?
Empeople offers Best in Market rates for all deposit and loan products. We do not match competitor rates on credit cards nor do we lower the interest rate on cards. We monitor our cards based on credit scores and adjust the rate according to our credit card agreement.
Can I request a Credit Card limit increase online?
You can apply for a Visa credit card limit increase in Digital Banking. Once logged in, click on the Loan Requests tab or call us at (800) 338-6739.
How do I activate my Visa Credit Card?
You may activate your Visa credit card by calling the number listed on the sticker on the front of the card or by calling Visa Card Services at 1-800-631-3197 24 hours a day, 7 days a week.
Recommended Reading
Fated financials: Ideal savings strategies based on your astrological sign
Are you the kind of person who makes color‑coded savings goals — and sticks to them? Or do you lean more toward the “life is short” philosophy as you tap your credit card? Whether you’re meticulously planning your future, live a little more impulsively, or float somewhere in between, the stars may have more to do with your financial habits than you realize. […]
Financial planning considerations for LGBTQ+ couples
Every couple has a story. Maybe you met through a mutual friend. Maybe it was a dating app. Maybe it was ones of those meet cutes in a coffee shop that turned into something bigger. However it started, at some point the conversation shifts from “What are we doing this weekend?” to “What are we building together?” That’s where financial planning begins. For LGBTQ+ couples in the United States, […]
Retirement checklist: The 5 years before you retire
In the five years before you retire, things start to feel real in a new way. This is the window where retirement stops being a distant idea and starts becoming an actual date on the calendar. For most people, that moment sits on top of years of preparation, from the first dollar they ever put into a […]
How much mortgage can I afford?
Buying your first home is exciting — and a little intimidating. You might already have a sense of what homes cost in the area you’re hoping to buy in, what you’re currently spending on housing and even current mortgage rates, but translating that information into a monthly mortgage payment you can afford can feel like a leap. The good news: […]
