Real life spending is not always planned. Be prepared for life's expenses with a credit card solution you can trust. Open a Blue Rewards or Ideal CU Gold Visa Card and take advantage of incredibly low APR and card benefits designed to reward and protect you. Depending on the card you select, you can also earn points or cash back rewards.

 Ideal CU Blue Rewards®Ideal CU Gold®

Ideal for

Members who want a rewards program at a great low rate

Blue Rewards     Apply Now

Members who want to earn cash back on their purchases

Gold     Apply Now

RateA low variable rate 1A low fixed rate 2
RewardsCU RewardsGolden Rewards Cash Back
Cash AdvanceLow cash advance feesNo cash advance fees
Balance TransfersLow transfer feesNo transfer fees
Text & Email AlertsYesYes
OthersCU Rewards Special Offer
Automatic payment options and more!

Travel enhancement packages and more!Automatic payment options and more!

1 - Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 9.15% - 17.15% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

2 - Ideal CU Gold is fixed 10.99% APR (Annual Percentage Rate). No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

 

 Prepaid Card Options   
 Visa Gift Cards GC1Visa Gift Cards make the perfect gift for dads,
grads or an upcoming wedding
Learn more
Reloadable Prepaid CardsGC2

A reloadable Visa is a great alternative to a
checking account and safer than cash.
Reload your prepaid card here

Learn More

 

Traveling Outside the U.S.? If you have a Ideal CU Visa Credit Card or Cash & Check Card, make sure to let us know when and where you'll be traveling. Due to heightened debit and credit card security, your Ideal CU card(s) may not work in foreign countries (including Canada and Mexico) if you do not contact us in advance. Simply call 651-770-7000 or 800-247-0857 during normal business hours and we will put a note on your account.

Verified by Visa protects your existing Visa Card with a password you create, giving you additional security when shopping online. Simply activate your card and create your personal password. Then rest assured that your card is safe when you shop at participating stores online. Learn more.

Lost or Stolen Card Instructions If your Visa Credit Card is missing, lost or stolen, please notify Ideal CU immediately. In the case of a stolen card, notify the police department as well. Call 651-770-7000 or 800-247-0857 to report your losses 24/7.

Cardholder Agreements. Find a copy of your Ideal CU Credit Card agreement here.