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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
"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.
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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:
- 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
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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 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.
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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 1-800-472-3272.
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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?
You can customize your PIN by calling 1-800-992-3808
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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?