Platinum Visa Credit Card | Elements Financial

Platinum Visa Credit Card

Apply for our Platinum Visa Credit CardOur Platinum Visa Credit Card is perfect for you if you're interested in a low APR on your credit card.

You'll enjoy these benefits carrying our Platinum Visa Credit Card:

  • No Late Payment Fee
  • No Annual Fee and No Penalty rates
  • No Balance Transfer fee
  • Entire monthly payment applied to your highest interest balance first
  • No interest charged on your interest
  • Low competitive rates
  • 25 day grace period on purchases
  • Automatic payment options
  • Fraud Alerts: Enroll for Fraud Alerts to trigger a text anytime a transaction on your card is deemed to be a risk. You'll have the chance to confirm it or report it as possible fraud. If the latter, a hold will be placed on your account to prevent further activity until we can resolve the situation. To enroll in Fraud Alerts for your Elements Visa Credit Card, just log in to MyCardInfo within eBranch; go to the Account Services tab; and select Fraud Alerts.

Set Up Fraud Text Alerts  |  Verified by Visa


The Benefits of the Elements Platinum Visa Credit Card

0% Intro APR for 6 months on purchases and balance transfers.

No Balance Transfer Fee
No Late Payment Fee

After the intro period, a variable APR of 9.49% for purchases and balance transfers.

You can also expect these conveniences that Visa is known for:

  • Auto Rental Collision Damage Waiver
  • Cardholder Inquiry Service
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Lost/Stolen Card Reporting
  • Purchase Security
  • Roadside Dispatch
  • Travel Accident Insurance ($100,000)
  • Travel and Emergency Assistance Services
  • Visa Zero Liability Fraud Protection

Rate, fee and other cost information: Elements Platinum Visa Credit Card introductory rate good for 6 months. Rates effective January 4, 2017. After promotional period your Standard Variable APR will be 9.49% for Purchases and Balance Transfers which will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Fees for Cash Advances are 3% for each Cash Advance or a minimum of $5.00. Fee for Foreign Transactions is 1% of each Foreign Transaction in U.S. dollars. Subject to credit approval. Additional limitations, terms and conditions apply.

Planning travel? Call us in advance: (800) 621-2105 or (317) 276-2105
Card Transaction Denied: (866) 570-1238
Lost or Stolen Card: (866) 570-1238
If you suspect fraud: (866) 570-1238
Pure Perks Rewards: (855) 814-5597
Other Questions or Concerns: (866) 570-1238

To make payments to your Elements Financial credit card, send them payable to:
Elements Financial Federal Credit Union
PO Box 10324
Des Moines, IA 50306-0324