Smart Choices – Platinum or Easy Rewards

Visa Easy Rewards Credit Card

CPCU’s Easy Rewards Visa Card

  • Fixed Rate 13.9% APR*

  • No Annual Fee

  • 4.9% Balance Transfer (6 months)

  • Scorecard Rewards (1 point for each $1 spent)

    • Merchandise

    • Travel

    • Giftcards

    • Cash Back

  • Points have a 5-year expiration

Visa Credit Card

CPCU’s Platinum Rate Visa Card

  • No Annual Fee

  • Adjustable Rate (Prime +4.5% APR*, 18% Max.)

  • Accepted anywhere you see the Visa symbol

  • 4.9% Balance Transfer

  • No Cash Advancement Fee

  • Easy Pay Online and E-Statements

*Annual Percentage Rate

Remote Control

Download our app and you can control your card(s) where ever you go! Think you lost your card? That’s a scary feeling we can relate to, so we wanted to make it easy for you. Now, you can quickly log into the app and temporarily freeze your card so you don’t have to worry about someone finding your card before you can find it yourself! If you find your card you can just unfreeze it right then and there! If you know you definitely lost your card or that someone stole it you can also cancel your card and order a new one right through our app.


Report a Lost or Stolen
Credit Card or ATM/Debit Card

During business hours call any of our branch offices.

Lansing 517-372-2400
Eaton Rapids 517-663-8176
Battle Creek 269-964-2713

After Hours Numbers for Lost or Stolen:

ATM/Debit – 1-800-264-5578
Credit Card – 1-800-828-3901
Visa USA Global – 1-800-VISA-911 (Members need full card number)

ScoreCards Banner that says, You've Earned it! Reward Yourself!

With our ScoreCard Rewards, every purchase can earn you points! Visit ScoreCard Rewards to keep track and exchange your points for games, vacations, gift cards and much more!

Apply today!

Print and return the application to any branch. Print the application and also view our current Credit Card Disclosure here!

CALL US! 517.372.2400 and ask for the loan department.

Payments? Questions? Call us! 517.372.2400 or 1.800.292.2728

If you are using a screen reader or other auxiliary aid and are having difficulty with this site, please call 1-800-292-2728

Visa Credit Card Disclosure

 Easy Rewards VisaPlatinum Rate Visa
Interest Rates and Charges
Annual Percentage Rate (APR) for Purchases*13.9%The APR will vary with the market based upon the prime rate, without exceeding 18%.
Balance Transfers APR*4.9%
for 6 months, rate then reverts to standard rate.
for 6 months, rate then reverts to standard rate.
Cash Advance APR*13.9%The APR will vary with the market based upon the prime rate, without exceeding 18%.
How to avoid paying interestTo avoid paying interest, simply pay the entire New Balance shown on your monthly statement within 25 days from the closing date of that statement.
Minimum Finance ChargeNoneNone
Annual FeeNoneNone
Balance Transfer FeeNoneNone
Late Payment Fee***$20.00$20.00
Returned Check Fee***$30$30
International Transaction Fee***1% of transaction1% of transation
Cash Advance FeeNoneNone
To obtain information about shopping for and using Credit CardsTo learn more about factors to consider when applying for or using a credit card, visit the website of the Financial Protection Bureau at
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
*How We Will Calculate Your Balance: We use a method called "Average Daily Balance, including New Purchases". See your account agreement for more details.
**Variable Rate: The Variable rate is calculated by adding 4.50% to the Prime Lending rate in the Wall Street Journal, and will not exceed 18%
***Fees: All fees are subject to change, please view current price list for all current fees.
With our Mobile App you are also able to Remote Control both cards wherever you go. If you lost your card you can temporarily freeze it and then un-freeze it and then un-freeze it when you find it. If your card was stolen you can permanently turn off your card. Remember to contact us to order a new card.