Energy Capital Credit Union

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Credit Cards

VISA® Platinum™ Rewards Credit Card


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The Perfect Card for you with no annual fee and a competitive rate.

Do you enjoy the convenience of a credit card, but have a difficult time finding a card without the hidden fees? Our card is a convenient and affordable way to make your shopping, entertainment and travel purchases.

  • Apply Online
  • 25 day grace period on purchases
  • Emergency card replacement
  • No balance transfer fee
  • No annual fee
  • Enjoy rates from 11.40% -18% APR for purchases, balance transfers & cash advances
  • $0 liability for unauthorized transactions


VISA® Platinum™ Rewards Secured Credit Card


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All the benefits of a normal credit card, plus building your credit. That's a win.

With this credit card, we use your share account as collateral for your card. If you are looking to build or rebuild credit, then this card is for you. Must be 18 years of age to apply and access to share account balance will remain frozen until the card is closed.


*APR = Annual Percentage Rate and is inclusive of all discounts and is dependent on credit worthiness. Rates, terms and offers stated on this website are subject to change without notice. Your rate may vary based on the loan amount, term and your personal circumstances.