Ideal Credit Union

Credit Cards

Find the right card for you

VISA® Credit Cards

Ideal Credit Union makes it easy to find the right credit card for you. Choose between the valuable CURewards Program linked to the Ideal Blue Rewards Credit Card or the fixed rate Gold Credit Card that allows you to earn monthly cash back on eligible purchases.

Whichever card you choose, you're guaranteed a convenient, secure way to pay for whatever matters most to you.

View current promotions and specials >>

Blue Rewards Credit Card

blue rewards credit card

Earn points for every dollar and redeem those points for top-brand merchandise and travel opportunities. Learn more

No Annual Fee
Variable rates as low as 9.15% APR¹
CURewards Program
Zero Liability coverage

Gold Credit Card

Gold Credit Card

Enjoy a low fixed rate and earn a .5% rebate for every dollar in new net purchases of $500 or higher. Learn more

No Annual Fee
Fixed rates as low as 9.90% APR²
Monthly cash back earnings
Zero Liability coverage

1% Cash Back Balance Transfer Special^*

It's the perfect time to save and EARN more with Ideal CU's current balance transfer special! Earn 1% cash back on balances held elsewhere transferred to your Ideal CU Blue Rewards or Gold Credit Card through October 31, 2020. Current cardholder can get started here.

Don't have an Ideal CU Credit Card yet? Not to worry, simply apply to start taking advantage of all the benefits and this special promotion. Once you're application has been approved, an Ideal CU Representative will contact you to complete any balance transfer you wish to make. Learn more here.

Earn 1,500 Bonus CURewards Points

Open a new Ideal Blue Rewards VISA® and spend $1,000 in the first 60 days to earn 1,500 bonus CURewards Points. Learn more about the CURewards Program.

Terms & Conditions

*APR is Annual Percentage Rate. This offer is nontransferable. 1% cashback offer is valid only for balance transfers of $500 or more from other credit card companies, financial institutions, or department store credit cards. Balance transfers may not be made to make payments toward amounts you owe Ideal Credit Union. 1% cashback offer is only valid for balance transfers completed by October 31, 2020. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher rates prior to balances with lower rates. Balance transfers are treated as and considered cash advances on your credit card and will begin to accrue finance charges from the date it is posted to your account. There is no grace period on cash advances and balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. By requesting a balance transfer, you authorize Ideal CU to process a balance transfer charged to your Ideal Visa Credit Card (no balance transfer fee through October 31, 2020.) Other transaction fees still apply during the promotional period, including Cash Advance: 2% of each advance (Min. $10.00) and Foreign Transaction: 1% of each transaction in U.S. Dollars. After the promotional period, balance transfer fees are 2% of the transfer total or $10.00 minimum, $75.00 maximum.). After the advance, your 1% cashback incentive will be deposited into your Ideal CU Share Savings Account. You also acknowledge that Ideal CU will send you a check payable to the creditor you provided in your request and that you are responsible for sending the check to the appropriate creditor. Ideal CU is not responsible for any remaining balance on that account or for any finance or other charges you incur due to delays in transferring a balance. Balance transfers made payable to you, cash or to make payments toward amounts you owe Ideal Credit Union are not eligible for this promotion. You should continue to make all required payments until you confirm that the balance transfer was made. To avoid paying interest on new purchases, you must pay your entire balance (including any balance accrued during the promotional period) each month by the due date. We will not close your other accounts even if you transfer the entire balance. If you wish to close another account, you should contact the issuer directly. To avoid paying interest on new purchases, you must pay your entire balance (including any balance accrued during the promotional period) each month by the due date. If you have not activated your credit card, please call 1-800-527-7728 to do so prior to requesting a balance transfer.

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 waived during promotional period (August 1, 2020 - October 31, 2020).Then starting November 1, 2020, 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 2% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

2. Ideal CU Gold fixed APR (Annual Percentage Rate) ranges from 9.90% - 15.90% dependent on creditworthiness. Transaction fees for balance transfer and convenience checks are waived during promotional period (August 1, 2020 - October 31, 2020). Then starting November 1, 2020, 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). No annual fee. Foreign Transaction fees are 2% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.

President's Day
Monday, February 17th
All locations closed.

Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Memorial Day
Monday, May 25th
All locations closed.

Independence Day
Saturday, July 4th
All locations closed.

Labor Day
Monday, September 7th
All locations closed.

Columbus Day
Monday, October 12th
All locations closed.

Veterans Day
Wednesday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 26th
All locations closed.

Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.

Christmas Day
Friday, December 25th
All locations closed.

New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

New Years Day (2021)
Friday, January 1st
All locations closed