0% Introductory APR on Balance Transfers for 6 Months

Receive six (6) months of 0% APR on balance transfers when you move your high-rate credit card balances to your low-rate Spartan Visa. Once your introductory rate ends, the balance transfer rate will revert to your standard rate, between 9.9% APR and 17.9% APR.¹

1 APR is Annual Percentage Rate. APR of 0% is valid for six (6) months from date the Visa Credit Card is opened and applies only to balance transfers from another financial institution’s credit card. After six (6) months, rate will revert to your standard rate (between 9.9% and 17.9%). Your Visa account must be in good standing to qualify for promotional rate. Accounts 60 days late revert to the Penalty Rate of 17.9%. This special rate is for balance transfers only and does not apply to purchases and cash advances.

Free Gift with New Spartan Visa

FREE TRAVEL MUG

Receive a free travel mug when you open your Spartan Visa!¹

¹Free gift is for new Spartan Visa Credit Cards only. Please allow six (6) to eight (8) weeks for delivery. While supplies last, first-come, first-served.

Spartan Credit Card Benefits

• 30,000 surcharge-free ATMs on the nationwide CO-OP Network
• $1,000,000 Travel Accident Insurance¹
• 24/7 account access
• $0 fraud liability

¹Full disclosure will accompany card.

Free access to your credit score

To help you achieve your financial goals, you can now view your credit score in ComputerLine and on the MSUFCU Mobile app.

Use Your Card with Apple Pay

Pay with your Spartan Visa using Apple Pay^TM

Now you can enjoy all the benefits of your Visa Credit Card using Apple Pay on iPhone 6®. Apple Pay changes how you pay with breakthrough contactless payment technology and unique security features built right into iPhone 6. So you can pay in an easy, secure, and private way.

To add your Spartan Credit Card to Apple Pay, use your iSight® camera to instantly capture your card information. Or simply enter it manually. Or, just add your Visa Credit Union from your iTunes account to Apple Pay.
To pay in stores, just hold your iPhone 6, iPhone 6+, or Apple Watch^TM near the contactless reader with your finger on Touch ID^TM. A subtle vibration lets you know your payment information was successfully sent.
To pay within apps, checking out is as easy as selecting Apple Pay and placing your finger on Touch ID.

When you pay with your Visa Credit Card using Apple Pay, you still get all the benefits and securities your credit card provides.

To learn more about Apple Pay, please visit Apple’s website.

Apple, iPhone, and iSight are registered trademarks of Apple Inc. Apple Pay, Apple Watch, and Touch ID are trademarks of Apple Inc.

Fraud Management

Protecting our members from fraud is a top priority for MSUFCU, your credit card provider. To give you additional card security, we use the Visa Fraud Alert Management detection system which continuously monitors your Visa Credit Card activity to help identify and prevent fraudulent transactions on your account.

If suspicious charges or transactions outside of your normal spending pattern appear on your card, you may receive an automated phone call from Fraud Alert Management on behalf of MSUFCU to verify the charges. You will be asked to verify the charges.

To verify your identity, you may be asked to provide personal information such as address, birth date and confirmation of the last four digits of your social security number. You will never be asked to provide your full social security number, Visa Credit Card number, account number, or PIN.

If Fraud Alert Management is unable to reach you directly, they will leave a message identifying themselves as Visa Fraud Alert Management calling to verify transactions made with your Visa Credit Card.

If we are unable to contact you regarding the suspicious charges on your Visa Credit Card, your card may be temporarily blocked to prevent any fraudulent activity. The block will be removed once we are able to confirm with you that the charges are legitimate.