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Visa® Credit Card

A stylistic picture of a sample CapEd Credit Card.

A CapEd Visa® Platinum Credit Card has a great introductory rate and no annual fee.

A Credit Card Solution for our Members

CapEd's Visa® Platinum Credit Card has a great introductory rate and it's easy to access your balance online.

Great Introductory Rate

Take advantage of CapEd's introductory rate of 4.90% APR1 with an intro period of 12 months. After the introductory period, the rate will be a variable rate between 12.95% and 18.00% APR. The intro rate applies to any purchases made within the first 6 months of the 12-month introductory rate period.

Easy Access

Get your current balance and statement history by signing in to eBanking, selecting your credit card account, then click to view transactions to log in to the eZCardinfo portal.

Raise Your Limit

Planning a summer vacation, getting married, or doing home repairs? Submit a request for a limit increase.

Benefits & Features

  • No annual fee
  • Travelers' insurance
  • Earn Scorecard Rewards points to be used for merchandise, travel, or cash back.

Scorecard Rewards

Use your CapEd Visa® Credit Card and earn reward points for merchandise, travel, or cash back with qualifying purchases. One reward point is earned per dollar purchased2. Log in to eBanking, select your credit card under Loans, and click to view your transactions. This will log you into the eZCard info portal where you can view your point balance and see what rewards are available to you.

Enhanced Travel Benefits and More

Your CapEd Visa® Credit Card includes many benefits:

  • Travel Accident Insurance with $1,000,000 accidental death and dismemberment coverage.
  • Auto Rental Collision Damage Waiver to cover damages to a rental vehicle caused by theft or collision.
  • Roadside Dispatch to assist with towing, tire changes, jump starts, and more.
  • Baggage Delay Reimbursement for up to 3 days.
  • Cell Phone Protection for damage or theft of an eligible cell phone.
  • Travel and Emergency Assistance Services.
  • Return Protection within 90 days of a purchase.
  • Purchase Security/Extended Protection on eligible purchases.

For full benefit details and restrictions, please consult the Visa® Guide to Benefits Opens in new tab. Link is a PDF document..

Apply Online

Easily apply online for a CapEd Visa® Credit Card or find a CapEd location to apply in person.

Click here to check the status of an application

I Need Help...

Lost or stolen card, need to dispute a transaction, or want to transfer your card's balance to a CapEd account? We can help.

My card is lost or has been stolen

Please call immediately if you believe your card has been lost or stolen.

Toll free: (833) 541-0777

I need to dispute a transaction

If you believe a transaction on your statement is in error, please log in to , select your credit card, select 'click to view transactions', and you will be taken to your eZCardinfo portal where you can dispute your transaction online. Alternatively, you can call (888) 829-6434 to start the process over the phone.

I want to transfer my balance

You can transfer your current credit card balance from another financial institution to a CapEd Credit Card by filling out this Visa® Balance Transfer form. A credit card balance transfer can be beneficial if you're looking for a better rate or if you'd like to keep all of your accounts under one roof.



1 All loans subject to approval. Rates, terms, and conditions are subject to change and vary based on creditworthiness, and qualifications. The introductory rate of 4.90% APR is good on purchases and balance transfers made within 6 billing cycles of account opening. A 3% fee applies to cash advances. Offer available to new personal cardholders only. Limited time offer.

2 Does not apply to balance transfers or cash advances.