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Overview
Visa Credit Cards
Perhaps you are looking to get a credit card with a consistently lower interest rate to carry a balance, or you may want to consolidate all of your banking into one place.
Opting for one of our Visa cards as a backup or emergency credit card is another great reason to apply.
The Platinum Visa card offers competitive fixed rates starting at 9.99% APR, low annual fees (no fee if you have a Spirit of Alaska checking account) and a minimum limit of $2500. The Classic card is also available for those who don’t qualify for a Platinum Visa Card, the lowest interest rate being 12.99% APR along with lower credit limits.
A friendly-interest rate card to buy items on credit
- Competitive interest rates starting at 9.99% APR*
- 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
"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.
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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
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What are all of the benefits of your Visa credit cards?
Our Visa credit cards include the following benefits:
- 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
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How can I qualify for a credit card?
It is based on your overall credit worthiness and your ability to repay the debt.
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How do I activate my card?
Prior to using your card, you must call 866-875-6807 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.
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What is the annual fee for the credit card?
You can find the annual credit card fee on our Pricing Guide.
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Is there a way to waive the annual fee on the credit card?
Yes, simply open a checking account here at Spirit.
- What are the travel and retail benefits of a Spirit of Alaska credit card?
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Can I skip a payment on this credit card?
No, Skip-a-Pay is not available for this card.
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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 1-866-875-6807.
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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.
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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.
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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.
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How can I access my credit card online?
You need be signed up for Spirit of Alaska’s online banking service, e-Teller.
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Can I choose my own PIN?
Yes. Bring your credit card into one of our branches and we can help you customize your PIN.
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What are the credit card terms and conditions?
For the most current terms and conditions disclosure, call the loan department at 907-459-5970.
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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.
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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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What are all of the benefits of your Visa credit cards?