CFCU Visa Mobile App
With the CFCU Visa App, you can access your credit card account online, at home or on the go!
Visa Platinum myChoice Rewards FAQs
How do I access my account?
You can simply log in to Online Banking from a desktop computer and click on Credit Card Online feature to access your credit card account online. Here is the Credit Card Online guide.
Who do I call with additional questions about my card?
For any credit card related inquires please call Century Federal’s Member Service Center at 216-535-3200. If you have questions regarding your account outside of regular business hours, please contact the 24-hour customer service line at 1-866-820-3088.
How do my myChoice Rewards Visa card points accumulate?
Points begin accumulating for purchases you make beginning on the first day you are accepted into the program. For every dollar spent, you earn one (1) point. You also earn double points on gas, groceries, pharmacies, and restaurants (excluding fast food).
Can you accumulate points on balance transfers?
No. However, Century Federal could offer, in the future, a one-time promotion to allow a certain number of points on balance transfers, we would communicate when and if this would be a part of the promotion at that time.
Are there a maximum number of points I can accumulate?
No, purchases earn you points. You also earn double points on gas, groceries, pharmacies, and restaurants (excluding fast food). Century Federal may also run special promotions throughout the year that may provide you with additional opportunities to earn BONUS points.
What can I receive when I redeem my reward points?
You view and redeem your points within the CU Rewards website. You may redeem your points for cash rewards, gift cards, merchandise, and travel through the CU Rewards website at www.curewards.com.
What is the CU Rewards Mall?
CU Rewards Mall is a component of the CU Rewards website and holds special offers that members can opt in to receiving via the “Earn” tab. Here, members can take advantage of promotional offerings from specific merchants to increase their point earnings.
How are cardholders notified of their point balance?
Cardholders will see a CU Rewards points activity message on their monthly credit card statement/eStatement that details the number of points earned and the number of points redeemed during that cycle, along with the redeemable balance.
When do points expire?
Cardholder’s points expire after four (4) years from the date the points are earned.
If a member closes their Visa card account, can their points still be redeemed?
No, the member must redeem their accumulated points prior to closing their account.
Travel restrictions if the Cardholder has a preference for:
- A specific airline, routing or time of travel
- No additional fees are included
- That may result in a higher-cost ticket purchase price; the cardholder will be presented with an “unrestricted ticket” alternative. With the “alternative”, the cardholder can have a credit of $325, $525 or $750 applied toward the ticket purchase price.
- If the ticket purchase price is equal to OR greater than the credit amount, the cardholder will, at that time, be responsible for purchasing the difference (using a valid credit card).
What is the maximum credit card limit a cardholder can obtain?
A member’s total unsecured loan amount cannot exceed the aggregated loan limits set for each credit tier. Unsecured loans include signature, line of credit/overdraft protection, credit card, and education loans.
Visa myChoice Rewards Disclosure
1Get 0% introductory APR on purchases and balance transfers for the first 12 billing cycles following account opening. Offer valid for new Century Federal Visa credit card accounts which meet qualifying criteria only. Balance Transfer offer valid only for 90 days after the new credit card account is opened. Balance transfers must be initiated from a non-Century Federal Visa credit card account to qualify. After the 12-month promotional period ends, the member’s annual percentage rate for purchases and balance transfers will adjust to their qualifying rate, depending on creditworthiness and other conditions. 3% Balance transfer fee applies. Visa rates, terms and conditions are subject to change at any time without notice, and may vary based on creditworthiness and qualifications. APR may adjust monthly with the market based on the Prime Rate following the end of the promotional period, although the rate will not exceed 17.99% APR. This offer is not available on Visa Platinum Secured cards.
*APR= Annual Percentage Rate. Credit limits and rates are subject to creditworthiness and can change anytime without notice.
**Secured VISA requires personal funds for card. Credit limit is based on the amount pledged.