Routing Number (ABA): 307083665

Credit Cards

Platinum Cash Rewards Credit Card

Earn 1% cash back on all purchases and 5% cash back on purchases in quarterly rotating categories.

UNM Visa Platinum Credit Card

New cardholder offer

New cardholders earn 2% cash back on all purchases for the first 90 days!

Overview

  • Earn 1% cash back on all purchases, and 5% cash back on purchases in quarterly rotating categories.
  • New cardholders earn 2% cash back on all purchases in the first 90 days.
  • 5% APR Intro rate1 for all balance transfers (for first 6 cycles after card opening).

APR

{{RATE}}

Annual Fee

$0

1 Once the 5.00% APR Intro Rate for 6 cycles expires, your APR will return to your normal variable rate of {{RATE}} APR. The intro rate offers are available for new cardholders only and may not be used to pay other credit cards issued by Nusenda Credit Union.

Platinum Cash Rewards Credit Card Terms and Conditions
Visa Credit Card Agreement and Disclosures

Platinum Cash Rewards Credit Card

Maximize your reward-earning power with the Visa® Platinum Cash Rewards credit card from Nusenda Credit Union. Earn 1% cash back on all purchases and 5% cash back on purchases in quarterly rotating categories. Your purchases also qualify for our Earn Your Return program.

Bonus: New cardholders earn 2% cash back on all purchases for the first 90 days!

With your Visa Platinum Cash Rewards credit card, you benefit from Visa’s Concierge Services, giving you 24/7 access to information and recommendations on travel and entertainment services while you’re at home or away. Plus, if you make a purchase with your card in the U.S. and see the same item advertised at a lower price within 60 days, Visa will refund the difference!

Not a member? Become one today!

Visa Platinum Cash Rewards Credit Card Benefits

Debt

Earn 1% cash back on all purchases

Earn 1% cash back on all purchases for every dollar spent with no limit.

Get 5% cash back on purchases in quarterly rotating categories

Earning rewards is easy and convenient! Members who use their Nusenda Visa Platinum Rewards and Visa Platinum Cash Rewards credit cards will earn three bonus points or 5% cash back, respectively, for every dollar they spend on quarterly rotating categories. (You can earn up to $75 in bonus cash or 4,500 points per quarter.)

Low APR intro rate

Platinum Rewards and Platinum Cash Rewards Credit Cards — 5% APR Intro Rate1 for all Balance Transfers (first six cycles after card opening).

UNM and NMSU themed credit cards

Pay with Lobo pride! Nusenda Credit Union offers a series of  UNM-themed Visa credit and debit cards in partnership with the University of New Mexico.

Now you can pay the Aggie way! Nusenda Credit Union, in partnership with New Mexico State University Athletics, now offers a series of NMSU-themed Visa credit and debit cards, breeze® debit card, and checks.

No Annual Fees

No annual or balance transfer fees

No matter which card you choose, there’s no annual fee.

Make the most of your everyday purchases!

Earning rewards is easy and convenient! During April, May, and June, members who use their Nusenda Visa Platinum Rewards and Visa Platinum Cash Rewards credit cards will earn three bonus points or 5% cash back, respectively, for every dollar they spend on home furnishings, home improvements, and gardening. (You can earn up to $75 in bonus cash or 4,500 points per quarter.)

*Quarterly rewards categories are subject to change, dependent on current market research. If quarterly rewards are updated, they will go into effect prior to the quarter they are offered.

Additional benefits

Contactless

A simple tap of your credit card on checkout terminals with the contactless symbol, and your payment is made quickly and securely.

A convenient way to pay

Mobile Pay

Add your credit card to Apple Pay, Samsung Pay, or Google Pay to make mobile credit card purchases without having to carry your card.

Paying is just a touch away

Credit Card Protection

Offering cardholder credit protection, information about checking your credit report, and preventing credit card fraud.

Learn more about Credit Protector

Visa's Zero Liability Policy

With Visa's Zero Liability Policy you can make purchases anywhere and you’re protected from unauthorized use of your card or account information.

Peace of mind built into every Visa credit card

Improve your finances

Explore interactive resources that will improve your understanding of topics surrounding borrowing and credit. This includes explaining concepts like getting out of debt, refinancing loans, credit card payoff, etc.

Best Practices for Using a Credit Card

By properly managing a credit card, you can earn rewards and build your credit score, all while making your regular purchases.

Get the Right Card

The first step to best using a credit card is to get the right one. That means doing your research. You should consider your spending habits and priorities when it comes to rewards. Are you an avid traveler who wants to earn miles? Or maybe you’d rather just get cashback. If possible, it’s wise to avoid cards that charge annual fees or have extremely high-interest rates.


Once you’ve decided on your priorities, search for cards that will work with your current situation. You should only apply for a card once you feel fully confident that this card will suit your needs and give you the best deal. You should also be fairly confident that you will qualify for it—if your credit score is too low, the company won’t approve your application. Never apply for a card if you're uncertain whether you can make payments. Multiple applications in a short period of time and rejections can have negative impacts on your credit score.




Pay Your Balance Off in Full and On Time

The single biggest thing you can do with your card to build your credit score and protect your finances is to pay off what you owe on time. You don’t want to be carrying over unpaid balances or consistently making late payments because these actions will have negative impacts on your score and can cause you to slip into a situation where you’re unable to pay off your debt. Paying your balance off on time every month will boost your score and keep you from paying interest. If you've found yourself falling behind, that's okay. Make a plan to start paying off what you owe and get on top of your monthly payments.



Don’t Borrow Too Much at Once

You’ll need to keep an eye on how much you’re borrowing. When you’re approved for a credit card, you’ll be given a credit limit. This is the max amount that the credit card company will let you borrow at one time. If you constantly get close to that limit, creditors can view you as a high risk borrower. The percentage you use of available credit is your credit utilization ratio. The rule is to keep your ratio under 30%; going any higher than this can damage your score. If it isn’t always possible to stay below that number, do your best to pay your balance down as soon as possible to make it less likely that the higher amount will be reported to credit monitoring agencies.


Use Your Card

With that in mind, don’t be afraid to use your credit card. While simply having a card can have a positive impact on your credit score, it will be much more helpful if you actually use it. A credit card offers revolving credit. When you take out a loan, you slowly pay off the amount that you borrowed, plus interest. With a credit card, as soon as you pay off the amount that you’ve borrowed, you can borrow it again.


Diversify

Finally, while a properly managed credit card can give a good boost to your credit score, it will be even better if it isn’t alone. That means that auto loans, a mortgage, and other kinds of loans can also have a positive impact on your score. Within reason, the more borrowing history that you have, the better. Of course, you also want that history to be filled with accounts where you made steady payments and eventually paid them off. Building your credit score requires balancing multiple credit types where you consistently make your payments without overwhelming yourself or opening too many accounts all at once.


This article has been republished with permission. View the original article: Best Practices for Using a Credit Card.