man and woman dining out

My credit cards

Which card is right for me?

Card type Best if you … APR and fees
Platinum Visa® Rewards
Best if you …
  • Want to be rewarded for every purchase you make
APR and fees

No annual fee
As low as 12.99%
Pricing and terms »

Platinum Visa®
Best if you …
  • Carry a balance
  • Want to consolidate balances from a high-rate card
APR and fees

No annual fee
As low as 9.99%
Pricing and terms »

4.99%1 Introductory APR

Whichever card you pick—the Xceed Platinum Visa® Rewards Credit Card or the Xceed Platinum Visa® Credit Card—you’ll enjoy a low 4.99%1 introductory APR for purchases and balance transfers made in the first 90 days of your account opening, which will remain in effect for nine months from the first transaction date.

Learn more »

Earn a $10 reward (just for buying groceries!)

This September, you have the opportunity to earn a $10 statement credit when you spend $350 or more on qualifying grocery purchases² using your Xceed Platinum Visa® Credit Card.

Whether you’re shopping for that last summer BBQ, back-to-school lunches, or the latest health craze, your grocery store purchases will be that much more rewarding!

Hurry! This offer ends September 30, 2019.

Grocery Rewards Promo

What It Comes With

check Icon

Mobile Wallet

Our cards have Mobile Wallet enabled, so it’s easy to pay with Apple Pay and Paypal.

Paypal »
Apple Pay »

check Icon


Set up fraud alerts and card freezes to keep your card safe by logging into Xceed Online and navigating to your card.

check Icon

Visa Checkout

Skip the forms and pay online wherever you see the Visa Checkout button.

Enroll »

check Icon

Travel & emergency

Leaving home? Count on a wide variety of emergency services from Visa.

Info »

check Icon

Warranty services

Keep track of warranties or get free extended warranty protection, all in one place.

Info »

check Icon

Auto rental coverage

Get coverage for collision or theft on your rental car, up to the value of the vehicle.

Info »

Get a $200 or 20,000 point thank you

Open an Xceed Platinum Visa and spend at least $3,000 in the first 90 days, and you’ll earn a $200 statement credit or 20,000 bonus reward points, depending on the card you choose.

Get the details »

family shopping

Visa® Merchant Rewards

Enjoy discounts on clothing, food, travel, entertainment and more when you use your Xceed Visa® Credit Card!

Learn more »

Man with laptop and credit card

Mobile Wallet

Use your smartphone as a credit card. With mobile wallet enabled, you can make purchases right from your device, no plastic card required.

Paypal » Apple Pay »

Xceed Visa Rewards

With our Rewards card, you earn rewards points for every dollar you spend on your card.

Later, you can easily redeem your points online for travel, merchandise, events, gift cards … even statement credit!

Learn more about Xceed Rewards »

Xtraordinary Moments

Liam C - Xceed Financial Customer
Liam C.
3-Word Description
Husband. Father. Bills Fan.
Operations Manager
First Job
Newspaper Deliver
Member Since

I’ve never had my debit card compromised in my life, and when I got a call from Xceed to say it had been … just knowing they had our backs covered, it was a great experience. It didn’t impact our funds, and they tracked it all down.

Tools & Tips

person in parachute

Maximize Your Rewards

Sure, you’ve heard all about rewards credit cards – there’s cashback rewards, travel miles rewards, and hotel points rewards. But do you really understand how rewards work, and more importantly, how you can get them to work for you? Let’s make sure!

Low Introductory APR for Two Great Cards

Whichever card you pick, you’ll enjoy a low introductory APR for purchases and balance transfers made in the first 90 days of your account opening.

Man in a hammock

Are Credit Card Balance Transfers Worth It?

Figure out if a balance transfer is right for you.

Liam and Michelle C. on peace of mind thanks to Xceed’s card compromise protection

Let’s Get Started

Visit your nearest Financial Center
Find a location
Apply for an Xceed credit card today
Apply for a credit card
Call us to talk to one of our associates


1APR = Annual Percentage Rate. The introductory APR will apply to purchases, balance transfers, and convenience checks posted to your account within 90 days of account opening and remain in effect for nine months from the first qualifying transaction. The $0 introductory balance transfer and convenience check fee will apply to balance transfers completed, and/or posted to the account within 90 days of account opening. Offer only available for new credit card accounts opened after November 12, 2018. If you pay your statement’s “New Balance” in full by the due date, we will not charge interest on any new transactions that post to the purchase balance. If you have been paying your account in full without interest charges, but fail to pay your next “New Balance” in full, we will charge interest on the unpaid balance. For balance transfers and convenience checks, we will start charging interest on the transaction date. New credit card accounts are subject to credit qualifications and approval. Actual rates and loan limits are based on applicants’ credit score and verifiable income. Xceed Financial loan limits and underwriting guidelines will be followed. The current, standard (non-introductory) variable APR for purchases, balance transfers, and cash advances for new accounts is 10.24% – 18.00% for Visa® Platinum Cards (no rewards) and 13.24% -18.00% for Visa® Platinum Rewards Cards, based on your creditworthiness, and are effective as of 8/19/2019. In addition to the balance transfer fee, the following additional finance charges may apply, depending on the type of transaction: For cash advance transactions – a Cash Advance Fee – Domestic of $10 or 3% of the cash advance amount, whichever is greater or a Cash Advance Fee – Foreign of $10 or 4% of the foreign cash advance amount, whichever is greater; for foreign purchase transactions – a Foreign Transaction Fee – Purchases of 1% of each foreign transaction (in U.S. dollars). If you are charged interest, the charge will be no less than $1. Other terms and conditions apply. Programs, rates, terms and conditions subject to change at any time. Ask an associate for details.

2Earn a $10 statement credit for qualifying grocery purchases of $350 or more, posted 9/1/2019 – 9/30/2019. Purchases must have the required merchant code signifying the transaction for purchases at a grocery store (merchant numbers: 5411 and 5499). Transactions within other establishments do not apply. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the statement credit offer. To earn a statement credit, each account must remain open, in good standing and not become delinquent. Allow up to two billing cycles for the statement credit to post to your account. All purchases are subject to credit approval. Terms and conditions subject to change at any time without notice. Some restrictions may apply.


For the most accurate rates, tell us where you live.
Please enter a valid US zip code.

Your zip code will be stored for one day. During this time, all rates on this page will reflect your current location.

You are now leaving Xceed Financial Credit Union’s website. We provide hyperlinks to other sites solely as a convenience, and they may not always function properly. XFCU does not control, nor are we responsible for the contents of, or any link within, a third party’s site. A non-XFCU site might have a different privacy policy and may provide less security than XFCU’s site. When accessing a site from here, you are responsible for confirming the identity and authenticity of any third party you visit and transact business with online. Hyperlinks from XFCU are not endorsements by XFCU of any third party, its ownership or management, products, services, information or recommendations it may offer, or any advertisers or sponsors appearing on a third party’s site.

Cancel Accept