Visa Credit Cards

Visa Credit Cards

Carrying a Visa® credit card is a huge convenience. You benefit from worldwide acceptance and the security of carrying less cash. But as folks are starting to learn, all Visa cards are not created equal.

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
  • Option to payroll deduct your payments
  • 25-day grace period on purchases
  • Access accounts through online banking and telephone banking

Take a look at our current rates.

Visa Classic
  • No annual fee
  • Low interest rates
  • No cash advance fee
  • Option to payroll deduct your payments
  • Access accounts through online banking and telephone banking
  • Applicant must have a good credit record
  • Minimum of $500 credit limit

Take a look at our current rates.

Disclosure

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.

Interest Rates and Interest Disclosures
Annual Percentage Rate (APR) for Purchases & Balance TransfersFixed Rate of 9.90% APR for Visa Platinum.
Fixed Rate of 11.50% APR for Visa Classic.
Grace Period for Repayment of Balances for PurchasesIf 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 FeeNone
Transaction Fees.
Balance TransfersNone
Cash AdvancesNone
Foreign TransactionsNone
Penalty Fees.
Late PaymentIf more than 10 days late, you will be charged 20% of the minimum payment due.
Over-the-Credit LimitNone
Returned Payment$30