Overview
Visa Credit Cards
We like real hiking, not rate hiking*.
Don’t sweat those introductory rate hikes, which can make you switch cards or transfer balances (again). Choose the low fixed rate of our Visa Platinum credit card.
Another great reason to apply: Choose one of our Visa cards as a backup or emergency credit card to carry a short-term balance.
We have two Visa Credit cards available. Both of our cards offer:
- Cell phone protection and purchase security with return protection
- Emergency medical/dental benefits on trips
- Travel/emergency assistance services
- Personal identity theft coverage and assistance
Visa Platinum Credit Card
Choose our Visa Platinum Credit Card for a low fixed rate.
- Competitive interest rates starting at 9.99% APR*
- Same rate for purchases, balance transfers and even cash advances
- Minimum limit of $2500
- Low annual fee
- No fee if you have a Spirit of Alaska checking account
Visa Classic Credit Card
Don’t qualify for our Platinum card? Our Visa Classic card is a great option.
- Competitive interest rate starting at 12.99% APR*
- Same rate for purchases, balance transfers and even cash advances
- Low annual fee
- No fee if you have a Spirit of Alaska checking account
Earn Rewards with your Credit Card!
Spirit of Alaska and uChoose Rewards® give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back!
You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more, just by using your Spirit of Alaska debit card every day.
Visa Credit Cards
Protect your cell phone every time you pay your bill
When you pay your monthly wireless bill with your covered Spirit of Alaska Visa Platinum or Classic card, your cell phone is protected for the next calendar month. So, you can get reimbursed if your cell phone is stolen or damaged ($50 deductible).
To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-866-894-8569. If you are outside the U.S., you can call collect: 1-303-967-1096.
Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered Spirit of Alaska FCU card. Please refer to your Guide to Benefits for further details.
Count on emergency care while traveling
When you use your covered Spirit of Alaska Visa Platinum or Classic card to purchase travel tickets, you can be reimbursed for emergency medical or dental expenses you incur when traveling ($2,500 maximum).
Please Note: This benefit is supplemental to and in excess of any valid and collectible insurance or other reimbursements. To learn more about this benefit or to file a claim, call 1-800-434-1280. If you are outside the U.S., you can call collect: 1-804-673-6499. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Spirit of Alaska FCU card to secure transactions. Please refer to your Guide to Benefits for further details.
Reduce damages if you experience identity theft
Personal Identity Theft provides reimbursement for covered expenses you incur to restore your identity, up to a maximum of $1000, as a result of a Covered Stolen Identity Event.
To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-866-679-5660. If you are outside the U.S., you can call collect: 1-303-967-1096. Certain terms, conditions, and exclusions apply. Please refer to your Guide to Benefits for further details.
Protect your purchases from the unexpected
Safeguard your new item against theft or damage due to fire, vandalism, or accidentally discharged water or certain weather conditions within the first 90 days from the date of purchase with Purchase Security, available when you pay with your covered Spirit of Alaska FCU card.
To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-800-553-4820. If you are outside the U.S., you can call collect: 1-303-967-1096. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Spirit of Alaska FCU card to secure transactions. Please refer to your Guide to Benefits for further details.
Count on emergency care while traveling
Use your covered card and get extra return protection any time you make an eligible purchase of an item up to $250.00.
To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-888-565-8472. If you are outside the U.S., you can call collect at 1-303-967-1096. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Spirit of Alaska FCU card to secure transactions. Please refer to your Guide to Benefits for further details.
Reduce damages if you experience identity theft
Call anytime for Travel or Emergency Assistance, available for covered Spirit of Alaska FCU cardholders from anywhere in the world.
To learn more about this benefit, call 1-800-992-6029. If you are outside the U.S., you can call collect at 1-804-673-1675. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Spirit of Alaska FCU card to secure transactions. Please refer to your Guide to Benefits for further details.
ADDITONAL INFORMATION
On both Platinum and Classic, a 28-day grace period is included along with easy-to-manage 24-hour online access to your account. Automatic payments and instant issue customized cards are available.
Disclosures
Refer to our Pricing Guide (PDF) for transaction and activity fees, including foreign currency exchange fees, as well as credit union membership fees. See our Credit Card fees and terms. Terms will also be disclosed verbally and in the contract when we issue you the card. See the Rates tab on this page for complete rate and fee details.
*Annual Percentage Rate is on approved credit. Rate may increase if you make a late payment. Annual fee applicable without a Spirit of Alaska checking account.
Rates
| Type of Loan | Term | APR* |
|---|---|---|
Visa Platinum |
Revolving | 9.99% Fixed |
Visa Classic |
Revolving | 12.99% - 18.00% Fixed |
Refer to our Pricing Guide (PDF) for transaction and activity fees, including foreign currency exchange fees, as well as credit union membership fees. See our Credit Card fees and terms. Terms will also be disclosed verbally and in the contract when we issue you the card.
*Annual Percentage Rate is on approved credit.
Contact the Loan Department at (907) 459-5970 for more detail.
**Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line loan application.
Calculator
FAQ
FREQUENTLY ASKED QUESTIONS
Our Visa credit cards include the following benefits:
- Same low rate for purchases, balance transfers and cash advances.
- Cell phone protection
- Emergency medical/dental benefit on trips purchased with the card
- Purchase security
- Return protection
- Travel and emergency assistance services
- Emergency medical/dental coverage during a trip purchased with the card
- Personal identity theft coverage and assistance
- Purchase security up to $500
It is based on your overall credit worthiness and your ability to repay the debt.
Prior to using your card, you must call 1-800-992-3808 to activate it. The call must come from within the U.S. If you have questions, please contact member services at 907-459-5900 during Spirit of Alaska business hours.
You can find the annual credit card fee on our Pricing Guide.
Yes, simply open a checking account here at Spirit.
Yes! Spirit of Alaska and uChoose Rewards give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back! After accumulating 2,000 points, you can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more.
To get started, visit uChooseRewards.com. Click the Register link (under New to uChoose Rewards) and follow the prompts to create your User ID and password.
Spirit of Alaska credit cards earn 1 point per $1 spent on signature purchases.
No, Skip-a-Pay is not available for this card.
Contact our call center during business hours at 907-459-5900. Our business hours are 10-6 M-F; 10-4 Sat. After hours, call 1-800-472-3272.
Yes! Spirit of Alaska provides Instant Issue, un-embossed credit and debit cards as a convenience to our members. Visa un-embossed cards are accepted by most Visa merchants.
The credit card has a 28-day grace period, so your payment will be due 28 days from the statement date.
Spirit of Alaska’s statement vendor generally mails your statement the first week of every month. If you have elected to receive e-statements, we will email you a notification in the first week of the month that your statement is available in Home Connect.
You need be signed up for Spirit of Alaska’s online banking service, e-Teller.
You can customize your PIN by calling 1-800-992-3808
For the most current terms and conditions disclosure, call the loan department at 907-459-5970.
Please bring the statement of the card you wish to payoff into the Consumer Lending department at Gillam. Lending personnel can assist in making the transfer for you.
For statement questions (or any credit card questions) please call the consumer loan department at 907-459-5970.
"The service has been Amazing! I have been so overwhelmed with the friendly & helpfulness of the staff from loan officers to the tellers! You ALL do an amazing job!"
- M.P.