Visa Platinum Card Program
The purchasing power and security you deserve.
We Have a Credit Card That's Right for You!
When it comes to security and reliability, Red River Credit Union has a Visa® Credit Card to fit your needs and lifestyle. RRCU gives you a choice between three different Visa credit cards: Visa Platinum, Visa Platinum Rewards, and Visa Platinum Secured. Check out the unique features, decide which is best for your needs, then click Apply Now.
Subject to credit approval.
Visa Credit Card Options
Visa Platinum Credit Card
Enjoy low rates and great terms with the RRCU Visa® Platinum Card. Convenient, secure, and designed to fit your needs—whether you’re planning a trip, managing finances, or building credit for the future.
- Introductory Rate of 4.90% APR* for 6 Months
- NO Annual Fee
- Great Interest Rates and Minimal Service Fees
- Includes: Visa Purchase Alerts, Mobile Wallet, and Contactless
*APR=Annual Percentage Rate. 4.90% APR introductory rate for the first six months, with approved credit. After that, your APR will be 9.90% to 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. If payment is late once or otherwise in default during the 6-month introductory-rate period, the 4.90% APR introductory rate will adjust to the variable rate of 9.90% to 17.90% ARP based on credit score and history, and will vary with the market based on the Prime Rate Index. Rates are subject to change without notice.
Visa Platinum Rewards Credit Card
Earn the Rewards you deserve with every purchase on the RRCU Visa Platinum Rewards credit card. Earn 3% CASH BACK on groceries purchases, 2% CASH BACK on gas purchases, and 1% CASH BACK on all other purchases. Points can also be redeemed for merchandise, statement credits, or charitable donations. Enjoy great rates and great terms with the convenience and security that comes with a RRCU Visa card.
- Rewards Program (Earn 1 to 3 Rewards Points per qualifying $1 charged)
- NO Annual Fee
- Rates as low as 11.90% APR**
- Minimal Service Fees
- Includes: Visa Purchase Alerts, Mobile Wallet, and Contactless
**APR=Annual Percentage Rate. APR will be 11.90% to 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates are subject to change without notice.
Visa Platinum Secured Credit Card
Build or rebuild your credit safely with a secured credit card. A minimum deposit of $300 is held as collateral as long as you have the card, setting your credit limit. Payment history is reported to all major credit bureaus, to build or improve your credit score. May qualify for an unsecured card after establishing a responsible payment history (minimum 12 months).
- Introductory Rate of 4.90% APR* for 6 Months
- NO Annual Fee, Great Interest Rates, and Minimal Service Fees
- Includes: Visa Purchase Alerts, Mobile Wallet, and Contactless
*APR=Annual Percentage Rate. 4.90% APR introductory rate for the first six months, with approved credit. After that, your APR will be 9.90% to 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. If payment is late once or otherwise in default during the 6-month introductory-rate period, the 4.90% APR introductory rate will adjust to the variable rate of 9.90% to 17.90% ARP based on credit score and history, and will vary with the market based on the Prime Rate Index. Rates are subject to change without notice.
Current Rewards Promotions
3-2-1 Points Promotions Extended:
RRCU has extended extra Rewards Points for gas and grocery purchases. You will earn:
- 3 Rewards Points for every dollar spend on groceries
- 2 Rewards Points for every dollar spent on gas
- Plus, 1 Rewards Point for every dollar spent on all other purchases
For new and existing Rewards cardholders. 3-2-1 Rewards Special subject to change without notice. Excludes Business Card Accounts. Cardholder earns three (3) Rewards Points for every dollar charged for groceries, two (2) Rewards Points for every dollar charged for gas, and all other charges will earn one (1) Rewards Point. for every dollar charged. Subject to credit approval. Cards issued by Red River Employees Federal Credit Union pursuant to a license from Visa U.S.A. Inc.©2020 Visa. All Rights Reserved.
Card and Program Details
Credit Card Solicitation Disclosure
Credit Card Agreement (Printable PDF)
Rewards Program Frequently Asked Questions
Rewards Program Terms and Conditions
EMV 3DS Secure Code One Time Passcode Terms and Conditions
Credit Card Self-Service
- Credit Card Activation: Call 1-888-691-8661 to activate a new Credit Card anytime (24/7) from your primary* phone.
- PIN NOW: Call 1-888-891-2435 to change your Personal Identification Number (PIN) on your Credit Card anytime (24/7) from your primary* phone.
*Primary phone is the number you used on your application for new cards, or that you updated in our system if changed from original.
Lost/Stolen - Block Credit Card
During Business Hours: Contact the RRCU Phone Center at 903-735-3000
After Business Hours: 1-800-234-5354
Mail Credit Card Payments to:
Red River Credit Union
PO Box 37035
Boone, IA 50037-0035
Report a Lost or Stolen Credit Card
To place a block on your credit card during regular business hours, contact RRCU's Phone Center at 903-735-3000 or 800-822-3317. After business hours, weekends, or holidays, select Option 3 for a representative when calling the RRCU's Phone Center. Or Rosey at 903-735-3000, choose Option 3 after your member sign-on for “Other Activities,” then Option 3 again to block the card.
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Rewards Frequently Asked Questions
Member Rewards by CO-OP Program FAQs
My Account
How do I know how many points I have?
Your current available points balance is listed in the top right corner of every page on the Rewards site and on your monthly statements.
Will my points expire?
Points expiration rules are available within the Program Terms and Conditions.
Program Terms and Conditions
Program Terms and Conditions
Details can be found within the My Account Statement page on the rewards website and below.
How can I earn points?
Points are awarded for qualifying purchases using your financial institution issued Rewards Card. Please view the Program Terms and Conditions.
Order Placement
GENERAL
How I can place my order?
There are multiple ways you can order your reward: by phone or via the Rewards website.
- To place your order over the phone, please call our customer service number. When speaking to a representative, please be as specific as possible regarding the brand and name of the reward you want, the color and size (if this applies) and the item number (if you know it) to ensure the desired reward is ordered correctly (ex: Apple 64 GB 4th Generation iPod Touch in black).
- The most popular way to order your reward is directly through this website! First, select the rewards category you would like to view under the "Browse rewards" dropdown menu. Then:
- Select the reward you want.
- Select "Add item to cart" to place your order and choose "Check out" (To change your selection or to start over, simply remove the item(s) from your Cart).
- Verify and confirm your redemption information and enter the shipping address.
- Continue to step 2 and review your order to ensure the reward listed is exactly what you want.
- Select "Place my order" to complete your order. You will receive an order confirmation with the option to print the confirmation for your records, and an email confirmation will be sent to the email address you provided.
Why do I need to provide my phone number?
Occasionally the delivery service may need to contact you in order to complete the delivery, especially if you have ordered a larger item that will be delivered by truck. If your reward request was mailed, we may need to contact you regarding the request to ensure that the desired reward is ordered correctly.
Why do I need to provide my email address?
We will send you a redemption confirmation for your order(s) via email at the email address you provided to us so that you can easily maintain the information for your records.
What if the reward I ordered isn't available?
If you already placed the order but the item is no longer available, we will contact you at the phone number you provided immediately. We will make every effort to substitute a similar item of equal or higher value. If a substitute is not available, you will be notified and your points will be credited back to your account so you may browse for another reward.
Shipping
Will I be charged for shipping?
No, shipping or handling fees only apply for merchandise being delivered outside of the contiguous U.S. For information on these fees, please contact customer service.
How will my order be shipped?
UPS usually delivers small packages, but larger items will be shipped by common carrier. Although we are unable to pre-arrange delivery for a specific day or time, we will notify the common carrier to contact you prior to delivery. Common carrier shipments are curb side deliveries. Please make arrangements to be available and assist with unloading at the time of delivery. An in-house delivery can be arranged on some furniture and appliance shipments. To discuss special delivery arrangements, please contact customer service.
Can I ship my order to a different address?
Yes, when submitting your order, please enter the address within the “Ship to” address fields. Please be aware that there are fees associated with shipping outside of the contiguous US. If you have any further questions, please call customer service for more information regarding shipping policies.
Can I ship to an address outside of the United States?
No, when submitting your order, please enter a physical US address within the “Ship to” address fields. Please be aware that there may be additional fees associated with shipping outside of the contiguous US. If you have any further questions, please call customer service for more information regarding shipping policies.
Order Status
How can I check on the status of my order?
You can check the status of your order online by selecting Order Status in the dropdown menu or by calling customer service to speak directly to a representative.
How can I cancel my order once it's been placed?
In most cases, you may cancel your order if the item was not customized and has not already shipped at the time of cancellation. If you have any questions about our cancellation policy, please contact customer service for more details.
How long will it take to receive my order?
Please allow the standard shipping time of 2-4 weeks to receive your order.
Delivery
What should I do when my order is delivered?
If your order is delivered by common carrier or freight line:
- Open the box and inspect the item for damage. If damaged, refuse the shipment. For deliveries without apparent damage, please sign the bill of lading "Subject to inspection". If concealed damage is found, contact customer service immediately for further instructions.
If your order is delivered by small package carrier such as UPS:
- Inspect the order immediately. For damaged items, refuse the package. If the package was dropped off, please keep all packaging and call customer service for further instructions.
I ordered multiple items but only one has arrived, what should I do?
If you ordered two or more items, do not be concerned if the first shipment contains only part of your order. Our merchandise is shipped directly from our vendors and therefore it may arrive at different times. In the case of an unusual delay, a customer service representative will contact you at the phone number you have provided.
Post-delivery
GENERAL
Can items be returned?
Most orders are not returnable. In the event that we are able to accommodate a request for a return, the merchandise must be unopened and in its original packaging. Electronics must have the manufacturer's seal still intact. Customized merchandise is not returnable. Other restrictions may apply. In the event that an incorrect, damaged or defective item is received, contact customer service for further instructions.
What if I have a problem with an item that I've had for a while?
All items come with a full manufacturer's warranty and information regarding authorized repair centers and are covered for up to 30 days from purchase. If you have a problem with an item, please contact the manufacturer at the toll-free number located in the owner's manual for service. All electronics must be handled through the manufacturer's warranty.
I need a copy of my receipt for the warranty, what should I do?
Most manufacturers will accept your order confirmation as proof of purchase. If you need a hard copy of the receipt, contact customer service and they will submit a request for a copy of your receipt. You should receive it within 5-7 business days.
ShopSPOT
What is ShopSPOT?
ShopSPOT is a program that links offers from merchants directly to your Rewards Card. You earn points simply by using your card at participating ShopSPOT merchants. Points are awarded automatically—there are no hoops to jump through.
How does ShopSPOT work?
You earn extra points for shopping at participating merchants online and in-store. Bonus points are awarded in addition to the points you earn for your everyday Rewards program purchases. In order to earn bonus points from a ShopSPOT merchant, you must sign for your purchase. PIN purchases do not earn bonus points. Each merchant may have a different offer, so please check back frequently for updated information.
When will the ShopSPOT bonus points appear in my account?
Bonus points will be placed in your account in 45 – 90 days from the date of your purchase.
How do returns, exchanges or back orders affect the points I earned?
If any part of the purchase is returned to the merchant or is not completed, your points for that transaction may be reduced or removed from your Reward account. Please check each retailer's policy for returns.
How do returns, exchanges or back orders affect the points I earned?
If any part of the purchase is returned to the merchant or is not completed, your points for that transaction may be reduced or removed from your Rewards account. Please check each retailer’s policy for returns.
How do I identify ShopSPOT merchants?
You can browse the merchant offers by logging on to your Rewards program website and selecting the ShopSPOT link.
How do I tell the merchant I am using a ShopSPOT offer?
You do not have to tell the merchant. The merchant's system will automatically recognize if your Rewards program card is enrolled when you swipe and sign to make your purchase.
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Rewards Program Terms and Conditions
MEMBER REWARDS BY CO-OP PROGRAM TERMS AND CONDITIONS
I. Description of the Program a) The Member Rewards by RRCU program (“Program”) is a service provided by your financial institution (“FI”) and CU Cooperative Systems, Inc. dba CO-OP Financial Services (“Sponsor”) and managed by ampliFI Loyalty Solutions, LLC (“Administrator”). b) Participation in the Program is exclusive to those individuals who have a current Rewards Credit Card issued by their FI. c) The Sponsor and/or FI reserves the right to disqualify you from participation in the Program and invalidate all Points for abuse, fraud, or any violation of the Program terms and conditions. The Sponsor or FI may make such a determination in its sole discretion. d) The Program is void where prohibited by state, or local law. e) The FI, Sponsor and the Administrator are not responsible for typographical errors and/or omissions in any Program document. f) The FI, Sponsor and the Administrator reserve the right to cancel the Program, change the terms and conditions of the Program, and change the points required for a reward within the Program. At the FI’s option, redemption of Points may be restricted, limited, expired or cancelled at any time without prior notice. g) Eligibility in the Program is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory. h) The Program’s Privacy Policy is available at the Program’s website on the bottom of each page. II.
Earnings Points. You will earn “Points” for purchases of all eligible goods and services using your Rewards Card. Refer to Rewards website for earning ratios. Points accumulated for other products or services are determined at the sole discretion of the FI. a) Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to your Rewards Card during each day. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated. b) Points may not be combined with any other loyalty/frequency reward program that is not managed by the Sponsor. c) The FI reserves the right to award bonus Points for any activity or condition it decides. d) Points are not your property and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic relations matter). e) Points are tracked and redeemable on a first-in, first-out basis. Points will expire on the last day of the month, three (3) years after the date of issuance. Refer to Rewards website for point expiration details. f) The FI, Sponsor and the Administrator shall have no liability for disagreements with you regarding Points. The FI’s decisions regarding Point discrepancies shall be final. g) Merchant Funded Points (ShopSPOT). Cardholders can earn additional Points from participating merchants when using their Rewards Card for purchases at participating ShopSPOT merchants, both online and in-store. Point earnings will vary based upon the merchant. Each merchant's Point earning ratio is listed on the Program's website. By providing your email address when you register on the Rewards website, you can agree to receive all future ShopSPOT correspondence and notices electronically to that email address. Email is the primary method for contacting Cardholders regarding their participation in the Program. It is the Cardholder's responsibility to update or change the email address on file. This can be done on the Program's website. New merchant offers are updated periodically. There is not a limit to the number of times a Cardholder can earn Points for shopping at a ShopSPOT merchant. i. Returns and/or cancellations of Qualifying Purchases, may result in the deduction of points from your Rewards Program account. ii. In the event of fraud, abuse of Program privileges or violation of the Program rules (including any attempt to sell, exchange or transfer points or the instrument exchangeable for points), the Program Sponsor reserves the right to cancel cardholder’s membership in the Rewards Program. iii. Points may not be combined with any other loyalty/frequency reward program that is not managed by the Program's Sponsor. iv. The Sponsor reserves the right to award bonus Points to selected cardholders for any activity or condition it decides. v. Points are not the property of the cardholder, and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic relations matter). vi. Points are tracked and redeemable on a first-in, first-out basis. Points will expire on the last day of the month, three (3) years after the date of issuance. vii. The Sponsor and the Administrator shall have no liability for disagreements between Cardholders regarding Points. The Sponsor's decisions regarding Point discrepancies shall be final. III. Redeeming Points a) To redeem points, visit the Program’s website or call the customer service department. All contact information is listed at the bottom of these Terms and Conditions. b) To be eligible to redeem Points, your account(s) must be open (meaning not voluntarily closed, canceled or terminated for any reason) and the Rewards Card cannot have any other status preventing authorizations. c) Points are deducted from your point balance as soon as they are redeemed. d) Points must be redeemed by you. e) You agree to release the FI, Sponsor and Administrator and each of their vendors from all liability for any injury, accident, loss, claim, expense or damages sustained by the Cardholder, associated with a reward or use of rewards while participating in this Program and in the case of a travel reward, anyone traveling with or without the cardholder, in connection with the receipt, ownership, or use of any reward. The FI, Administrator and the Sponsor shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the reward. f) You are responsible for determining any tax liability arising from participation in the Program. Consult a tax advisor concerning tax consequences. IV. Non-travel Rewards Merchandise a) When necessary, the Administrator may substitute a reward with an updated model of equal or greater value. You will be notified of any change when ordering. The Rewards Program Administrator reserves the right to replace or remove certain sections within any Program literature or website. All rewards are subject to availability. b) Merchandise rewards may take two to four (2-4) weeks to be delivered from the time of order. Multiple rewards may arrive at different times because they may be provided by different vendors. Delivery times may increase during peak holiday periods. c) No shipments of merchandise can be made to PO Box addresses. d) Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands will have an additional freight charge billed to your Rewards Card. e) Merchandise pictured in any reward’s Program brochure or website may not necessarily reflect exact colors or models of actual rewards due to printing variations and/or manufacturers’ updates. Information is accurate to the very best of our knowledge. The FI, Sponsor and the Administrator are not responsible for errors or omissions. f) The number of Points required for reward items are subject to change. g) You may exchange merchandise only in the event of merchandise defects or damage in shipment. Some items are delivered by common carrier, where a delivery time is scheduled and someone must be present to accept delivery. When this is the case, the item must be opened in the presence of that carrier and any exceptions, damages, or shortages must be noted on the delivery receipt before you sign to accept shipment of merchandise. For those items that are delivered without being scheduled, please inspect the item within 24 hours of delivery and notify the customer service center if you find any exceptions, damages, or shortages. h) All merchandise is covered by manufacturer’s warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with product. Statement Credit Rewards a) The statement credit reward(s) will appear as a credit on your Reward Card balance. b) You are responsible for any outstanding balance owed on the account after the credit is applied. c) Statement credit reward(s) cannot be applied toward the payment amount owed on your Reward card. d) It may take up to 1-2 billing cycles for a statement credit to post to an account. Cash Back Rewards a) The cash back reward(s) must be deposited into your financial institution’s savings or checking account. b) The cash rewards(s) may take 3-5 business days to be deposited to an account. V. Contact Information a) For questions, concerns or complaints, please contact the Administrator’s customer service center at 866-216-8115. You will reach a live agent at all times. You should expect a resolution to all inquiries within 3 business days. b) The Program’s website is www.MemberRewardsbyCO-OP.com/RedRiverFCU