Tech CU Credit Cards
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Members may apply directly through Online Banking for a quicker process. Go to the “Open New Account” tab on your Dashboard and choose Credit Cards.
Other ways to apply
Safe and secure with no annual fee and no foreign transaction fees, Tech CU credit cards are simple, low-cost, and rewarding, so they meet the needs of members like you!
See below for details and rates on our Visa Credit Cards.
Tech CU offers the Visa Signature Card with extensive rewards and the Visa Classic Card. Both offer great low rates.
The Visa Classic Card comes in two forms: the regular credit card or the secured credit card which can be an option for those seeking to establish or improve their credit.
You can also choose between a traditional design or our San Jose Sharks card! If you already have a Tech CU Visa Card and want to switch designs, please call 877-988-0471, make a Virtual Branch appointment, or visit a branch.
Benefits
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Visa Signature® |
Visa Classic® |
Visa Classic® (Share Secured) |
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Card Benefits |
Visa Signature® Earn 1.25 Rewards Points for every $1 spent on purchases, redeemable for travel, cash, merchandise and more! |
Visa Classic® Our lowest available interest rate among all Tech CU credit cards. |
Visa Classic® (Share Secured) Establish or rebuild your credit |
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Additional Visa Benefits |
Visa Signature®
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Visa Classic® Additional Visa benefits not offered on this card. |
Visa Classic® (Share Secured) Additional Visa benefits not offered on this card. |
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Special Sharks/Barracuda Benefits |
Visa Signature® Sharks/Barracuda ticket discounts Early entrance to SAP Center & Tech CU Arena on game days (15 minutes early) Introductory 5.65% APR for the first 6 months. 13.90-24.90% thereafter. |
Visa Classic® Sharks/Barracuda ticket discounts Early entrance to SAP Center & Tech CU Arena on game days (15 minutes early) Introductory 5.65% APR for the first 6 months. 13.90-24.90% thereafter. |
Visa Classic® (Share Secured) Sharks/Barracuda ticket discounts Early entrance to SAP Center & Tech CU Arena on game days (15 minutes early) Introductory 5.65% APR for the first 6 months. 13.90-24.90% thereafter. |
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Visa Signature® ✓ |
Visa Classic® ✓ |
Visa Classic® (Share Secured) ✓ |
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Chip-enabled |
Visa Signature® ✓ |
Visa Classic® ✓ |
Visa Classic® (Share Secured) ✓ |
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Overdraft Coverage for Checking |
Visa Signature® ✓ |
Visa Classic® ✓ |
Visa Classic® (Share Secured) ✓ |
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Automatic Payment Options |
Visa Signature® ✓ |
Visa Classic® ✓ |
Visa Classic® (Share Secured) ✓ |
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Visa Signature® ✓ |
Visa Classic® ✓ |
Visa Classic® (Share Secured) ✓ |
Rates & Fees
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Annual Percentage Rate (APR) for Purchases and Balance Transfers and Cash Advances
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Visa Signature
13.90% - 24.90%
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Visa Classic
11.90% - 22.90%
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Visa Classic (Share Secured)
22.90%
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Annual Fee
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Visa Signature
$0
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Visa Classic
$0
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Visa Classic (Share Secured)
$0
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Foreign Transaction Fee
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Visa Signature
$0
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Visa Classic
$0
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Visa Classic (Share Secured)
$0
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Cash Advance Fee/Balance Transfer Fee
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Visa Signature
3% of advance amount ($10 minimum)
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Visa Classic
3% of advance amount ($10 minimum)
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Visa Classic (Share Secured)
3% of advance amount ($10 minimum)
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Effective Date
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Visa Signature
11/01/2025
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Visa Classic
11/01/2025
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Visa Classic (Share Secured)
11/01/2025
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