Make Purchases, Earn Points
Our credit card program is straightforward and aimed at keeping you satisfied for the long run. There’s no annual fee, and our variable rate helps you be certain that you’ll always pay a fair, competitive interest rate on your outstanding balance.
Best of all, every purchase accrues reward points, which you redeem online.
Credit Card Benefits
- No annual fee
- No cash advance fee
- No balance transfer fee
- Earn and redeem reward points
- Auto Rental Collision Damage Waiver - Program Details (PDF)
- Extended Warranty Protection - Program Details (PDF)
- Travel and Emergency Services - Program Details (PDF)
- Easy online Credit Limit Increase request
Going Somewhere?
It may seem an odd question for your Credit Union to ask, but there's a really good reason.
We never want you to be without access to your funds.
If we detect unusual activity on your account, it alerts our fraud department. If you typically use your credit card close to home, and a charge shows up somewhere else in the world, it could be a signal to freeze your account.
By letting us know your travel plans, we can ensure that you have access to your funds when you need them, wherever you may be.
If you’re planning to use your Ripco Credit Union debit or credit card while traveling, and you provide us with your travel information; we can note it to your account.
Please allow at least 48 hours prior to your departure for us to make sure your card(s) are noted with your plans and will be available during that time.
Credit Card Balances Seem Overwhelming?
Most of us have credit card debt, and often we owe even more than we are comfortable with.
One of the smartest and easiest things you can do when this happens; is to refinance your credit card debt into one easy to manage payment.
Doing this will often lower the interest rate, simplify the repayment process and give you back your control.
Credit Card Resources
To report a lost or stolen credit card, call 1-800-449-7728.