Credit Cards

More Purchasing Power to Keep Pace.

Xceed Financial offers two Visa® Credit Cards designed to meet your everyday spending needs. Choose from the Xceed Platinum Visa® that allows you to earn rewards points with each purchase or the Platinum Visa® that features all the same great features and competitive rate, but without the rewards program. You can manage your credit card through Xceed Online.

  • Credit Card Online Banking: Access account information directly from the My Accounts section on the home page of Xceed Online.
  • Visa® Transaction Alerts: Create text message and/or email alerts that can help you keep track of your transaction details and spending. Choose the criteria that should trigger each alert, such as reaching a certain spending dollar amount within a specified length of time.
  • Travel Center: Notify us when you're traveling so your transactions remain seamless.
  • Card activation: Activate new cards online instead of by phone.
  • Balance transfers: Transfer balances from a credit card with another lender to an Xceed Platinum Visa® Credit Card using the new online balance transfer feature.
  • Automatic payments: Customize automatic payments to your Xceed Platinum Visa® Credit Card from a checking or savings account of your choice. Choose to pay a specified amount, the minimum payment or the full statement balance.

Learn more about the extra layer of security provided by Verified by Visa.

Xceed Rewards

Get rewarded for every dollar you spend on your Xceed Visa® Credit Card! Xceed Rewards offers loads of cool perks just for making purchases with your credit card.

  • Earn one reward point for each dollar spent on all purchases.
  • Redeem them for merchandise, travel, electronics, event tickets, spa packages, gift cards, account credits and more.
  • Once you’re enrolled in the program, you can simply click on “Xceed Rewards” directly from the main credit card page within Xceed Online (a separate login isn’t required) to track your points, and view available rewards and their point values.
  • Visit Xceed Rewards and choose "Browse Only" for a preview of all the rewards you could be redeeming today.

Visa® Checkout

Visa® Checkout, our free "digital wallet" from Visa®, is a great way to streamline your online shopping. When you use Visa® Checkout to shop online, instead of entering your Xceed Visa® Credit Card or Check Card details at checkout, you select the Visa® Checkout payment option on participating merchant sites.

  • Simply enter your Visa® Checkout username and password to complete your purchase. It's safe, secure, and way faster than the old way to pay!
  • Visa® Checkout stores your payment and shipping information, so you never have to worry about giving your card number to an online merchant.
  • You don't get bogged down re-entering all of those figures and personal info when you shop.
  • You don't pay anything to enroll your Xceed Visa® Credit Card or Check Card with Visa® Checkout and you can even enroll other credit and check cards and multiple shipping addresses.
  • It's safe, secure, and way faster than the old way to pay!
  • Enroll your Xceed Visa® Credit Card or Check Card today.

1Certain conditions and exclusions may apply. Details will be provided when you become a cardmember. Terms and conditions subject to change at any time.

Warranty Manager Service

Simplify your life by consolidating all of the information you need about warranties, service, and repair centers for products you buy with your Xceed Financial Platinum Visa® credit card. With Warranty Manager Service from Visa®, registration is easy!

  • Just call the toll-free number (800.551.8472) and speak with a customer service representative, or register online at
  • Get double the original manufacturer's warranty, up to one additional year on warranties of three years or fewer.
  • When you need service, it’s easy to locate a repair center from Visa®’s database of more than 7,500 manufacturer-authorized repair centers nationwide.
  • Filing a quick, accurate claim online is a cinch because Warranty Manager Service stores your information in a database that you can access 24/7.

Travel and Emergency Assistance Services

Travel with peace of mind with Travel and Emergency Assistance Services (TEAS) from Visa®. Simply call the dedicated toll-free number in the United States (800.992.6029), or through a collect telephone number when traveling abroad, and get 24/7 help with a range of travel-related arrangements and referrals.

  • Cardholders are responsible for the cost of actual services, but TEAS can provide invaluable help locating medical and legal referrals, prescription assistance and valuable document delivery, emergency transportation, ticket replacement, translation and message services, and lost luggage locator service.
  • TEAS provides information about health precautions, weather reports, currency exchange rates, visas, and immunizations.
  • TEAS also covers your spouse and dependent children 22 years of age or under who are traveling with you!

Waiting for the perfect time to make that purchase you’ve been putting off? Wait no more, because we’re offering an introductory 1.99% APR* on purchases made with your Xceed Financial Platinum Visa® credit card from March 1 through May 31, 2015! The introductory APR is good for nine months from the purchase date. After that, you’ll still enjoy a low variable rate, currently 8.99% to 17.99% APR for new accounts. Even better, the Xceed Financial Platinum Visa® credit card has no annual fee.

Not an Xceed Financial credit cardholder yet? Start your application today, visit your local Xceed Financial Center, or call us at 888.XFCU.123 (888.932.8123).

*APR = Annual Percentage Rate. The introductory APR for purchases will apply to transactions posted to your account from 3/1/2015 to 5/31/2015. Offer available to both existing and new credit card accounts and does not apply to Xceed Business Visa® credit card accounts. If you take advantage of this offer, please note you will lose the grace period on new purchases made with your Xceed Financial Platinum Visa® credit card if you do not pay the entire statement balance, including the amount subject to the promotional APR, by the payment due 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 either 8.99%, 10.99%, or 16.99% for Visa® Platinum Cards (without rewards) and either 13.99%, or 14.99%, or 17.99% for Visa® Platinum Cards (with rewards), based on your creditworthiness, and are current as of 2/11/2015. The following finance charges may apply, depending on the type of transaction: For balance transfers - $29 or 3% of the transfer amount, whichever is greater (maximum fee: $100), for cash advance transactions – a Cash Advance Fee of $10 or 3% of the cash advance amount, whichever is greater; for foreign transactions – a Foreign Transaction Fee of 1% of each foreign transaction (in U.S. dollars). If you are charged interest, the charge will be no less than $1.00. Other terms and conditions apply. Programs, rates, terms and conditions subject to change at any time. Ask an associate for details. Xceed Financial Federal Credit Union ("Xceed Financial") is an equal opportunity lender.