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  Credit Cards

Altra Visa Platinum, Gold, and Classic Credit Cards
Choose the only Credit Card available today that gives you the worldwide acceptance of Visa, and the personal, friendly service you’ll only get from your Credit Union. All our cards have no annual fee and offer Free Rewards - Click here to compare all the benefits!


  New Cardholder Balance Transfer Offer
 

All new Altra cardholders are eligible for a special low, fixed-for-life rate as low as 5.9% APR on balance transfers from a non-Altra card. Offer available only during the first 60 days after your card is opened.


  Altra Student Visa & Smart Rewards
 

Build good credit and learn to manage your account responsibly at the same time. Altra’s Student Visa offers a sensible credit limit and special student-only Smart Rewards options.
Click here
to see all the benefits!


Falcon Fraud Protection

You can be confident knowing your Altra Visa account is protected by the most advanced fraud protection available in the credit card industry today. Fraudulent activity can often be identified and stopped before you’re even aware of it.


  FREE CU Rewards Program
 

All Altra Credit Cards are automatically set up with free CU Rewards. Each time you make a purchase with your card, you’ll earn one Reward Point for each dollar of purchases. You can redeem your Points for merchandise, car rentals, hotel stays, roundtrip airfare and more.
Visit CURewards.com for complete details.

Airline tickets are available for round-trip coach flights to virtually anywhere in the world. A 21-day advance purchase is required and some blackout dates may apply. Additional travel awards such as car rentals, hotel stays and cruises are available. Points from other credit card or frequent flyer programs cannot be combined with CU Rewards Points.

Reward Point Redemption Levels
2,500 points
Merchandise Awards
6,250 points
Free Car Rental
6,500 points
$40 Restaurant or Retail Gift Card
15,000 points
Free Hotel Stay
30,000 points
Free Round Trip Airfare
33,000 points
Free Cruise Package

 
VVerified by Visa – Free Online Identity Protection
 

Enjoy added security for online Visa card purchases. Through a secure authentication process, your identity is protected and confirmed with a personal password each time you make a purchase at a participating online merchant. Click Here to register your card.


  MasterCard SecureCode
 

Shop securely with MasterCard SecureCode, an online security service to guard you against unauthorized use of your MasterCard card while shopping online at participating merchants. Once enrolled in this service, you'll have added confidence knowing that MasterCard SecureCode performs an extra authentication step to protect your account from unauthorized users online. Click Here to register your card.


Free Convenience Checks

An easy way to pay off higher-interest debt, transfer balances to your Altra credit card, make purchases where credit cards are not accepted, or give a cash gift. Convenience Checks are considered a cash advance. Call 800-755-0055 to request checks or for more details.


Free Online Credit Card Statement

An up-to-the-minute view of your Altra Credit Card statement. View recent charges, current balance, available credit, minimum payment due, total Reward Points earned, and more. You can also securely view the previous three months' statements.


Credit Card Payment Options

Online payments
Make your Altra credit card payment online from your Altra checking or savings account anytime, for any amount. Submit payment online before 6 p.m. Central Time and it will post the next business day. Payment must come from an Altra checking or savings account to use the online payment system.

Telephone payments
Transfer payment from any Altra account to your Altra credit card anytime, for any amount. Make your payment by phone before 4 p.m. Central Time and it will post the second business day. Call 608-787-4500 or 800-755-0055 and press 1 to access Call 24, then press 4 and follow the instructions.

Automatic payments
Set up an automatic transfer from any account each month - you choose the total amount, a set dollar amount, or the minimum payment.

Access 24 Bill Pay
Use our free Access 24 Online Banking and Bill Pay system to make your payments. It’s the perfect solution for the busy member - you can schedule a payment for any day and any amount, then forget it!

Pay by mail
Of course, you can always mail in your payment in the envelope provided.

Payment Addresses
Visa
PO BOX 660348
Dallas, TX 75266-0348
Master Card
PO BOX 660348
Dallas, TX 75266-0348
Overnight payments can continue to be directed to:
Payment Processing
560 Carillon Parkway, St. Petersburg, FL 33716

Frequently Asked Questions

How do I add a Joint Cardholder?
To add another person to your Altra Credit Card account, please fill out a separate credit card application and include your Altra Credit Card account number.

How do I request an increase in my credit limit?
Either print the Credit Card Change form shown below, or call 800-755-0055.


Travelers Alert
Due to an unprecedented number of fraudulent Credit and Check Card transactions originating
in Russia, Romania, Ukraine, Bulgaria, Brazil and Malaysia, Altra does not allow purchases or
ATM withdrawals in those countries.


Contact Numbers
24 - Hour Credit Card Customer Service
800-654-7728
Lost/Stolen Altra Credit Cards 800-654-7728
Lost/Stolen Altra Check or Cash Card
888-918-7722
Activate your Credit Card 800-527-7728
Activate your Check or Cash Card 866-985-2273
Credit Card Insurance 800-445-6500
Redeem CU Rewards points (Merchandise)
CURewards.com
Montrose Travel (CURewards Travel) 800-900-6160



Credit Card Forms
Download the form you need and return to Altra in person, by mail or fax.

 Apply for an Altra credit card.
 Apply for an Altra student card.
Business Credit Card App  Apply for an Altra Business credit card.
 Transfer your credit card balance to an Altra card.
 Request a cash advance from an Altra credit card.
 Request a credit limit increase or change your account terms.
 Set up automatic payment on your Altra credit card.
 Request to file a cardholder dispute.
 Need an Individual Financial Statement? Fill out this form.