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TruEnergy FCU Visa® Credit Card: A World of Convenience – No Annual Fees

With a below-market rate, a TruEnergy FCU Visa®️ card gives you affordable convenience. Use your card at more than 14 million merchant locations around the world, or for cash advances at thousands of ATMs.

Visa Credit Card Benefits:

  • Rates as low as 9.99% APR*
  • No annual fee
  • Earn uChoice rewards on purchases
  • Redeem uChoose rewards points for gift cards, merchandise, cash back to the card and more
  • FREE balance transfers – Transfer your Balance via Docusign
  • Flexible credit limits
  • Worldwide acceptance/ATM access
  • Auto Rental Collision Damage Waiver – Cover up to 100k on Auto Rental Collision Damage, for more information call 800-348-8472 or click here to learn more.
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Pay with a tap when you add your TruEnergy FCU Visa® Credit card to Apple Pay®Google Pay®Samsung Pay®.

Visa Credit Card Rewards

uChoose Rewards earns you points every time you make purchases using your TruEnergy FCU Credit Card, plus, earn additional points for shopping at participating national or local retailers, in-store or online. To learn more visit the uChoose Rewards website at www.uchooserewards.com.

Free Online Visa Access

The convenience of TruEnergy FCU Online Visa Credit Card Access is free, simply log onto your account through our Online Banking. Conveniently view your account information and more:

Recent Transactions – View or download the transactions that have posted to your account since your last statement.

Account Summary – Balance, available credit, payment information.

Statements – View or download past statement history as statements accumulate.

Bill Payment – Securely pay your credit card bill online.

Forms and Applications

Contact Info

For lost or stolen cards, fraud, or 24-hour inquiries:
Visa Credit Card:
Toll Free (within the U.S.): 844.453.8858

Student Visa® Credit Card

College can be challenging for parents and students. Let us lend a hand! A TruEnergy FCU Student Visa Card helps pay for unexpected college expenses, teaches valuable money management skills and builds a strong credit history.

Student Visa Credit Card Benefits:

  • Rates as low as 9.99% APR*
  • No annual fee
  • FREE balance transfers
  • Credit limits starting at $500
  • Worldwide acceptance/ATM access

Protect Your Credit Card with the CardValet App

Protect your credit card with real time control gaining peace of mind and enhanced security.  With the TruEnergy FCU FREE CardValet App members now have full control over how, when, and where their credit card is used – anytime, anywhere. 

With CardValet You Can:

  • Turn cards on or off instantly, anytime
  • Receive real time alerts every time your card is used
  • Control spending by setting limits to match your budget
  • Control transactions within a designated location
  • Limit card use to specific merchants or purchases 

Click here to download the CardValet by FISERV app.

Click here to download the CardValet Quick Reference Guide

Credit Card Helpline:

Need help outside of business hours? Don’t hesitate to call our 24/7 Credit Card Helpline: (844) 453-8858


  1. Lost/Stolen card
  2. Suspected fraud
  3. Information
  4. Activation
  5. Fraud and Dispute
  6. Payment options
  7. PIN number

Need additional help? 

Credit card International call center (301) 945-3578

Credit card auto rental auto collision benefits (800) 348-8472

Credit card counseling services (877) 337-3399

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Credit Card Application & Agreement Disclosures

*APR= Annual Percentage Rate.  Rates are based on creditworthiness, so your rate may differ. Please see Visa Credit Card Disclosure for more details.  Variable APRs apply to purchases, cash advances, convenience checks and balance transfers outside of any balance transfer promotional period.

Credit Card

*APR = Annual Percentage Rate. Rates are based on creditworthiness, so your rate may differ. Please see the credit card disclosure for more details. Variable APRs apply to purchases, balance transfers, cash advances and convenience checks.