Carrying a Visa® credit card is a huge convenience. You benefit from worldwide acceptance and the security of carrying less cash. SWACU offers Visa cards with some of the lowest rates available.

Another great feature: no cash advance fee. Our responsible credit practices mean we can pass these saving features on to our members. Now, you can even use your SWACU credit card to earn qualifications for LUV Reward Checking and LUV Tunes Checking!

Visa Platinum
  • No annual fee
  • No cash advance fee
  • Low interest rates
  • Generous credit limit
  • 25-day grace period on purchases
  • Access accounts through online banking and telephone banking
Visa Classic
  • No annual fee
  • Low interest rates
  • No cash advance fee
  • Access accounts through online banking and telephone banking
  • Applicant must have a good credit record
  • Option of making it a shared secured credit card
  • Minimum of $500 credit limit

Interest Rates and Disclosures

The information about costs of the Card is accurate as of the effective date shown below. You can call or write Southwest Airlines Federal Credit Union, PO Box 35708, Dallas, TX 75235, (214) 357-5577, (800) 262-5DAL to inquire if any changes have occurred since the effective date.

Variable Rate Information: Fixed Rate Only.

Grace Period for Repayment of Balances for Purchases: If you have a Visa Platinum, you have 25 days from the statement closing date to repay your entire balance for purchases before a finance charge is imposed. There is no repayment grace period for Visa Classic.

Method of Computing the Balance for Purchases: Average Daily Balance (including new purchases).

Late Payment Fee: If more than 10 days late, you will be charged 20.00% of the payment due.

Return Check Fee: If your credit card payment is returned to us you will be charged $30.00 each time it's returned.

Effective Date: March 1, 2010.

Annual Percentage Rate (APR) for Purchases & Balance Transfers

Fixed Rate of 9.90% APR for Visa Platinum.

Fixed Rate of 11.50% APR for Visa Classic.

Grace Period for Repayment of Balances for Purchases

If you have a Visa Platinum, you have 25 days from the statement closing date to repay your entire balance for purchases before a finance charge is imposed. There is no repayment grace period for Visa Classic.

Fees

Annual Fee

None

Transaction Fees

 

Balance Transfers

None

Cash Advances

None

Foreign Transactions

None

Penalty Fees

 

Late Payment

If more than 10 days late, you will be charged 20% of the minimum payment due.

Over-the-Credit Limit

None

Returned Payment

$30

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