What are the Benefits?

  • No Balance Transfer Fee
  • No Annual Fee
  • Get Yours Today & Save
  • Introductory 6 Months as low as 0% APR*
  • After the introductory period, rates as low as Prime + 3.50%
  • Enjoy 24/7 account access at EzCardInfo.com
  • Verified by Visa®

Gain the peace of mind that comes with added security when you shop online. Verified by Visa is a free and easy service that confirms your identity when you initiate an online transaction. Learn more about Verified by Visa

Card Details

  • No annual fee
  • Low variable APR, as low as Prime + 3.50%
  • Worldwide Visa® acceptance
  • Three great options:

Visa Platinum:

  • Extended warranty services
  • Travel and emergency assistance
  • Auto rental insurance

Visa Classic:

  • 25-day grace period: If your previous balance is zero and you pay off the new balance within 25 days of the closing date, we won’t charge you any interest. You’ll pay interest only on amounts carried forward. (Cash advances do not have a grace period.)
  • Free Travel Accident Insurance: Any time you purchase tickets for a trip and charge the purchase to your Money One Visa card, you’ll automatically get free travel accident insurance.

Secured Visa:

  • For establishing or repairing credit
  • Credit limit secured by your savings deposits
  • Savings balance must be 120% of credit limit

Download the VISA® Disclosures (PDF)

Loan Disclosure

Our online credit card application is fast‚ easy and you can check the status of your application online! Note: You must already be an online banking user to apply online. If you would like more information on getting started, visit open an account. If you are already a member‚ but haven’t taken advantage of the convenience of Online Banking‚ get more information on getting started.

Once logged into online banking‚ simply click on the “Accounts” button then loan application. You can expect an answer from a Money One representative within one business day. If you are interested in applying for a Share‚ Money Market‚ or Certificate Secured loan‚ please call the Credit Union at (301) 925-4600 (press option 2).

Money One Federal Credit Union Privacy Policy

We keep your information in the strictest of confidence and use it only for purposes of conducting business with you. You can find out more about this by viewing our privacy policy.

Important Information About Our Cards

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Prime +3.5% to 18.00% when you open your account, based on your credit-worthiness. After that, your APR will vary with the market based on the Prime Rate.*

APR for Cash Advances

18.00% Cash advances are limited to 50% of your credit line.

APR for Balance Transfers

Visa Classic 18.00%

Visa Plaitnum 18.00%

Penalty APR and When It Applies

18.00% (Visa Classic and Visa Platinum) This APR may be applied to the entire balance on your account if you make a late payment.

How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.


Annual Fee


Transaction Fees

Cash Advance

A finance charge of 3.00% (minimum of $5) will be charged for each cash advance made.

Foreign Transaction


Penalty Fees

Late Payment

Up to $25

Over-the-Credit Limit

Up to $25

Returned Payment

Up to $25

How We Will Calculate Your Balance:

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

*We use an index of Prime + 3.50%.

This disclosure information is accurate as of 11/22 and is subject to change. You can write Money One FCU at PO Box 6398, Largo, MD 20792-6398 or call 301-925-4600 to inquire about any changes that may have occurred after the listed date. For additional terms and conditions, refer to our Visa Credit Card Agreement.
Mail or Fax to: Money One FCU, P.O. Box 6398 Largo, MD 20792 Fax 301-925-9077

For Credit Card disputes (Credit Card Only) contact the disputes line at 1 (800) 600-5249 8:00 am – 8:45 pm ET Monday – Friday & 9:00 am – 2:45 pm ET on Saturday. If you have a Debit Card dispute, please conact Account Services at (301) 925-4600 option during normal operating hours.

Important Notice: There is a $50 loan application fee from members who submit a third loan request within a 90-day period, if the two previous requests in that period have been denied.

*APR = Annual Percentage Rate. This offer is for new credit cards only. Promotional APR expires 6 billing cycles after purchase or balance transfer is made. After 6 billing cycles you will be charged the APR for Purchase/Retail, and for balances not paid off, currently as low as PRIME + 3.50% APR. Not all applicants will qualify for the lowest rate.

Call us (301) 925-4600

Monday-Friday 8:30am-4:30pm

or Contact Us online anytime