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Home Credit & Debit Cards Visa Credit Cards
        • Overview

          Assisting Our Membership With COVID-19 Uncertainty

          We understand the uncertainty during this unprecedented time and want to let you know about some of the proactive measures our consumer loans department has in place to continue to support and serve our customers.

           

          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.

          Choosing one of our Visa cards as a backup or emergency credit card to carry a short-term balance is another great reason to apply.

          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.

          Read More

          uChoose Rewards

          "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.

          Additional 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.

          Related Products & Services

          • Business Visa Platinum Card
          • CardValet
          • Share Secured Card
          • Blocked Vendors & Areas
          • Security & Fraud Protection
          • More Services

          Resources

          • Credit Card Disclosure
          • Visa Card Benefits
          • Customize Your Card
          • Notify us of Travel
          • Dispute a Credit transaction (not fraud)
        • 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.

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        • FAQ

          Frequently Asked Questions

          • What are all of the benefits of your Visa credit cards?

            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
          • How can I qualify for a credit card?

            It is based on your overall credit worthiness and your ability to repay the debt.

          • How do I activate my card?

            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.

          • What is the annual fee for the credit card?

            You can find the annual credit card fee on our Pricing Guide.

          • Is there a way to waive the annual fee on the credit card?

            Yes, simply open a checking account here at Spirit.

          • Do your credit cards earn rewards?

            Yes! <a href=”https://spiritofak.com/uchooserewards/”>Spirit of Alaska and uChoose Rewards</a> 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 <a href=”https://uchooserewards.com”>uChooseRewards.com</a>. 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.

          • What are the travel and retail benefits of a Spirit of Alaska credit card?

            View our most current guide of your Visa card benefits.

          • Can I skip a payment on this credit card?

            No, Skip-a-Pay is not available for this card.

          • What do I do if I lose a 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.

          • The numbers on my credit or debit card are flat. Is my card usable?

            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.

          • When is my payment due?

            The credit card has a 28-day grace period, so your payment will be due 28 days from the statement date.

          • When should I receive my statement?

            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.

          • How can I access my credit card online?

            You need be signed up for Spirit of Alaska’s online banking service, e-Teller.

          • Can I choose my own PIN?

            You can customize your PIN by calling 1-800-992-3808

          • What are the credit card terms and conditions?

            For the most current terms and conditions disclosure, call the loan department at 907-459-5970.

          • How do I transfer a balance with my credit card?

            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.

          • Who do I call if I have questions about my statement?

            For statement questions (or any credit card questions) please call the consumer loan department at 907-459-5970.

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        We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

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          For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

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          For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

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        Letter from our Consumer Loans Department

        A Message From Spirit of Alaska Federal Credit Union Consumer Loans Department About The COVID-19 Outbreak

        As you know, the spread of COVID-19 has touched just about every aspect of our daily lives — from our families and schools to our places of work and worship.

        We understand the uncertainty during this unprecedented time and want to let you know about some of the proactive measures our consumer loans department has in place to continue to support and serve our customers.

        Payment concerns:

        If you anticipate that it will be difficult or impossible for you to make your payment, there are options available.

        If you become ill, are quarantined, your employment status changes or another hardship arises as a result of the COVID-19 outbreak, you may be eligible for short-term relief.

        Please email us or call (907) 459-5970. We will work with our borrowers on a case-by-case basis to assist in any way possible.

        If you have questions:

        If you have any questions, please don’t hesitate to reach out to our team. Please stay safe and healthy during this unprecedented time.

        Email: cloans@spiritofak.com
        Phone: (907) 459-5970