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Freedom Credit Union will never contact you directly to request any of your personal or account information. If someone contacts you and requests this information, do not provide it. Hang up immediately and call us at 215-612-5900.

Likewise, if you receive an unexpected email or text message containing suspicious links, it is best to not click on any links and delete the message.

Visa® Cash Back Card

Visa® Checkout FAQs

Visa® Cash Back Card

Maximize your everyday spending with a Visa® Cash Back Card that puts money back in your pocket. Earn 1% back on all of your purchases and enjoy no annual fee and no fees for balance transfers, cash advances, or foreign transactions. With a host of other benefits, this card gives you more value with every swipe. Ready to earn on every purchase? Apply now!

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Credit Union Credit Cards in Philadelphia, PA

You need to buy groceries, fill up your tank, and take care of your everyday essentials. Why not earn cash back on it all? The Visa® Cash Back Card offers the perfect balance of convenience and rewards to give you more value. Whether you’re shopping, traveling, or covering daily expenses, this card ensures your money works harder for you.

Not a member? Join now and experience the Freedom CU difference!

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Earn Cash Back with Every Purchase

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Earn Cash Back

Earn 1% cash back with every purchase you make.

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0.99% APR* Intro Rate

Enjoy a 0.99% APR* intro rate for a 6-month term. Rate as low as 13.90% APR but not more than 17.90% APR thereafter.

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No Annual Fee

Keep more of your money while enjoying all the benefits of your credit card.

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No Service Fees

There are no fees for balance transfers, cash advances, or foreign transactions.

VISA® Cash Back Card

Earn 1% cash back with every purchase at grocery stores, gas stations, and other daily expenses. Plus, enjoy a low 0.99% APR* for the first six months.

Whether you’re running errands or traveling abroad, your Visa® Cash Back Card makes every transaction rewarding. With global acceptance, built-in protections, and premium services, it’s designed to support your lifestyle—wherever life takes you.

Accepted by millions of merchants worldwide
Ideal for travel, with protections and support when you’re on the go
Premium Visa® services for everyday convenience
Security features and coverage that give you peace of mind

Apply now to start earning rewards on every dollar you spend!

Apply Now View Rates

A woman pays for her meal at a restaurant with her Visa Cash Back Card.

Additional Features of our Freedom Credit Union Rewards Credit Card

Roadside Dispatch

Get peace of mind with 24/7 access to emergency assistance when you need it most.

Auto Rental Collision Damage Waiver

Enjoy worry-free vehicle rentals so you can focus on the journey.

Travel Accident Insurance

Stay protected wherever you travel with coverage for eligible accidents.

Travel & Emergency Assistance Services

Travel with confidence with 24/7 support to help you handle unexpected situations.

VISA® Concierge Service

Enjoy 24/7 assistance with travel planning, dining reservations, and more!

Cell Phone Protection

Your mobile device is protected from eligible damage or theft so you can stay connected.

Apply for a Credit Card in 3 Easy Steps!

Apply Online

Already a member? Click the button below to apply online.

Application Review

We’ll review your application and give you a quick decision.

Enjoy Your New Card

Use your new card for your daily purchases. Enjoy the rewards!

Get Started

Why Choose Freedom CU?

Freedom Credit Union is dedicated to helping our members achieve their financial goals. We combine the personal touch of a local institution with the services of a national bank. Our members enjoy higher savings rates, lower loan rates, personal service, and access to a network of over 30,000 surcharge-free ATMs nationwide.

We’re more than just a financial institution — we’re a member-owned cooperative that’s committed to the community. Join the 70,000+ members who have discovered that banking with Freedom Credit Union means your needs come first.

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★★★★★

“I was referred here by a colleague, and I am so happy that I am now a Freedom Credit Union customer! The service was great, and the people were knowledgeable and friendly! The process of opening an account for my business was seamless.”

– Ime H., Abington, PA

Become a Member Now

Credit Union Credit Card FAQs

Our credit union rewards card does not have an annual fee to help you save.
You can conveniently check your balance and manage your account with digital banking.
If your credit or debit card is lost or stolen, it’s important to act quickly to protect your account. Contact us immediately to report the loss and we will cancel the card and issue a new one.
Your Visa® credit card limit is based on your credit score, income, and payment history.
A credit card allows you to borrow money up to your limit, which you must repay. It helps you build your credit history and may offer rewards and other benefits. In contrast, a debit card is directly linked to your checking account and funds are deducted immediately when you make a purchase.
In addition to the cash rewards program, our Visa® Cash Back Card offers a variety of extra perks. Additional details include:
- Roadside Dispatch
- Auto Rental Collision Damage Waiver
- Travel Accident Insurance
- Travel & Emergency Assistance Services
- VISA Concierge Service
- Warranty Manager Service
- Cellular Telephone Protection
- Emergency Medical/Dental Benefit
- 0.99% APR* Intro Rate
- No Annual Fee
- No fees for balance transfers, cash advances, or foreign transactions
Absolutely! You can conveniently transfer a balance from another card to take advantage of our low rates. There is no balance transfer fee.
Yes, membership is required for our credit union credit card. Membership is open to anyone who lives, works, attends school, or volunteers in Bucks, Chester, Delaware, Montgomery, or Philadelphia County, or is related to an existing Freedom Credit Union member.

Other Loan Products Offered by Freedom Credit Union

^*APR = Annual Percentage Rate. Rates accurate as of 10/1/24. The total maximum unsecured debt per member is $30,000. Terms and rates are subject to change without notice. For Credit Cards, an eligible co-borrower will be required unless the Cardholder has independent means of repaying any credit extended. The interest rate that you receive will be based on your credit history.

FAQs

Yes. Once you receive your assigned PIN number, follow the directions to change your PIN. Detailed directions will be on the PIN mailer you receive.
Yes, you can take a cash advance at any financial institution or at an ATM using your assigned PIN. Remember, cash advances accrue interest immediately; however, there are no fees for a cash advance.
You can call 215-612-5954, Monday thru Friday, from 9am to 5pm, or after hours at 1-800-654-7728.
With Freedom Credit Union’s Visa Business Credit Card, you can have additional cardholders on your account at no additional charge. To request an additional cardholder, please call 215-612-5954. You will need that cardholder’s birth date and SSN, along with their home or cell phone number.
You can access your Visa Business Credit Card information including daily balances, last transactions posted, and available limits by logging onto: https://www.epscu.com/3140 from any computer. You will be able to view business spending, sign up for eStatements and view recent statements. This link is only available to the Control Account Holder.
The Control Account Holder (company owner or department head) can make an ACH payment online by logging onto: https://www.epscu.com/3140 and choosing Online Service from the menu and clicking on “Make a Payment.” You can enter your financial institution’s information and an ACH payment will be withdrawn directly from that institution.
No, you will not be able to use Freedom’s Online Banking to transfer money to your Visa Business Credit Card or have a payment processed at one of our Access Centers. Your Visa Business Credit Card payment must be mailed to a lockbox located at the address below for processing. Standard Payment Mailing Address: Freedom Credit Union PO Box 37603 Philadelphia, PA 19101-0603 Overnight Payment Mailing Address: PSCU 560 Carillon Parkway St Petersburg, FL 33716
Where can I mail non-credit card loan payments?
Loan payments can be mailed to our Ops Center: 626 Jacksonville Rd. Suite 250 Warminster, PA 18974
Your Visa Business Credit Card payment is due on the 26th of each month. If your payment is not received by the 26th, Freedom Credit Union will assess a $20 late fee.
Each cardholder will receive a statement, but some statements will show no balance due. Only the Control Account Holder (company owner or department head) will receive a statement with a balance due. The Control Account Holder statement will list all purchases made by his/her employees or department. However, each individual employee statement will only show the purchases of that particular cardholder.
The Freedom Visa Business Credit Card will cycle on the 1st of each month. You should receive your statement by the 7th or 8th of each month.

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Visa® Cash Back Card

Credit Union Credit Cards in Philadelphia, PA

Not a member? Join now and experience the Freedom CU difference!

Earn Cash Back with Every Purchase

VISA® Cash Back Card

Additional Features of our Freedom Credit Union Rewards Credit Card

Apply for a Credit Card in 3 Easy Steps!

Why Choose Freedom CU?

Credit Union Credit Card FAQs

Other Loan Products Offered by Freedom Credit Union

Auto Loans

Personal Loan

Mortgage Loans

FAQs

Where can I mail non-credit card loan payments?

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