From Groceries to Gifts
Now offering Triangle Credit Union Credit CardsContact Us
Triangle Visa® Credit Cards are now here! Whether you're shopping for groceries, purchasing gifts, or paying bills, our credit cards come with no fees for applications, annual, or balance transfer. Apply today for a Membership Rewards Credit Card and receive an introductory rate of 1.99% APR* for your first 12 months. Plus, earn 5,000 bonus points when you spend $1,000 in retail purchases within the first 90 days. For every dollar spent using your Triangle Membership Rewards Credit Card, you can earn 1.5 points which can be redeemed for air travel, merchandise, cash back, and more by visiting the CURewards Mall.
Looking for a low interest credit card instead of reward points? Triangle has you covered! Our Premier Advantage Credit Card features a low interest rate with a credit limit up to $20,000, and also offers Auto Rental Collision Damage Protection.
Can't decide which card you want to apply for? Check out our Credit Card Overview.
Credit Card Features
Chip technology for enhanced security
Chip cards use cryptograms that are unique to each transaction and cannot be used to create counterfeit card.
On-line Account Management
Manage your account, including eStatements, and payments directly through trianglecu.org.
Add your Triangle Credit Union credit card to a digital wallet and enjoy the convenience of tap-and-go payments.
Sign up and receive near real-time updates on your card activity.
You certify that you are at least 21 years of age and a U.S. citizen or permanent resident alien of the United States. You authorize Credit Union to review your credit report, employment history, and any other information in order to process your acceptance certificate. If you ask, we will tell you the name and address of any consumer reporting agency that provided such report(s) to us. You understand that the minimum approved credit line is $5,000, and that the credit line on your account will be based on various factors, including income. We maintain the right to not extend the offered credit if: (a) the information you provide is incomplete, inaccurate, or cannot be verified, or if you no longer meet our standards for creditworthiness; (b) your name and/ or mailing address have been altered; (c) we receive your response after the offer has expired; or (d) the income you report on your acceptance certificate is insufficient to support the opening of an account. We have the right to change the account terms (including the APRs) in accordance with applicable law and the Account Agreement.
CA Residents: If you are married, you may apply for a separate account. NY, RI and VT Residents: We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. OH Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. WI Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.
If you are applying for a balance transfer(s): Balance transfers are contingent upon issuance of your account with us. You authorize Credit Union to charge your approved Credit Union credit card account for the amount(s) indicated on your Acceptance Certificate. Balance transfers are processed in the order listed on your Acceptance Certificate. The total amount of your request(s), including any balance transfer fees, cannot exceed your available credit. If your request(s) exceeds the amount we approve, we may either decline the request or send less than the full amount to your designated payee. Continue to make payments on your other accounts until you have confirmed the balance transfer(s) has been received. You can’t transfer balances to pay off other accounts issued by Credit Union.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following issuance of your card. Any existing balances on Triangle Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Effective Date: The information about the costs of the card described in this application is accurate as of: September 20, 2018. This information may have changed after that date. To find out what may have changed, contact the Credit Union. For California Borrowers, the Visa Premier Advantage and Visa Membership Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee: $27.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $38.00 or the amount of the required minimum payment, whichever is less.
Cash Advance Fee (Finance Charge): $5.00 or 1.00% of the amount of each cash advance, whichever is greater. Returned Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less. Card Replacement Fee: $10.00. Document Copy Fee: $3.00 per page.
How to Apply
Triangle offers three ways you can apply for your credit card:
Lost or Stolen Credit Card:
Card holders can report lost or stolen cards utilizing online banking. Members can also call (800) 449-7728 to report lost/stolen credit cards.