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Visa® Cash Back Card

Visa® Checkout FAQs

The cash-back card you've always wanted

Freedom to buy what you want. Cash back to make spending rewarding.

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1% cash back on any purchase
0.99% APR* Intro rate (0.99% APR Intro rate for 6-month Term; Rate as low as 13.65% APR but not more than 17.90% APR thereafter)
No annual fee
No fees for balance transfers, cash advances or foreign transactions

*APR = Annual Percentage Rate. Rates accurate as of 4/1/23. 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.

View Credit Card Agreement

Easy to get started

Apply Online

It takes just a few minutes to apply for a cash-back card.

Transfer old balances

Done with your old card? A new intro APR of of 0.99% sounds nice.

Set up mobile alerts

Custom fraud and transaction alerts keep your cash-back card safe.

All your favorite extras

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

Start getting more cash back every month.

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Related Resources

“I needed assistance with my Cash-back Visa. Freedom listened carefully, discussed my options, and offered a great solution. Success!”

FAQs

All Visa Business Credit Cards are protected with multiple layers of security which include zero liability, fraud monitoring, a three digit security code, and Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.
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 the branch. 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
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.
At this time, you cannot apply for a Visa Business Credit Card online.
You can apply for a Visa Business Credit Card by contacting Carl Camacho at Freedom Credit Union at 215-612-5937 and requesting a business loan application.
No annual fee

Separate business expenses from personal expenses

$0 fraud liability for lost or stolen cards

Year-end summaries of transactions – helps you stay on top of business expenses

Employee cards at no additional cost

Purchase convenience – purchase business supplies or services online, over the phone or through the mail

Unsurpassed acceptance – use your Visa Business card at millions of locations worldwide

Built in Benefits – Roadside Dispatch, Auto Collision Damage Waiver, Travel and Emergency Assistance, Purchase Security and Extended Protection, Travel Accident Insurance, Trip Cancellation, and Visa Concierge

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The cash-back card you've always wanted

Easy to get started

All your favorite extras

Start getting more cash back every month.

Related Resources

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Visa® Credit Card Agreement

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