Reward yourself with our credit card

Compare our Five Star Platinum Rewards Visa® credit card with higher rate department store cards or other cards:

  • Low variable rates with no annual fee.
  • No balance transfer fee: transfer higher-rate balances to save on interest.
  • Shop Maryland for the Holidays: earn two CU Rewards points for each net $1 spent, when you make credit card purchases at businesses with a Maryland transaction address, from 11/1/20 through 1/31/21.
  • EMV security chip for greater fraud protection.
  • For contactless buying online and in many stores, add your Five Star FCU credit card (and debit card) number to your smartphone’s digital wallet app: Apple Pay, Google Pay or Samsung Pay.

Credit Union Rewards

Visa Credit Card Terms & Rates

Information effective December 1, 2020.
TypeRate or Fee
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change.
View full terms and disclosures.
Purchasesas low as 8.25% APR*
Balance Transfersas low as 8.25% APR*
Cash Advancesas low as 8.25% APR*
Annual FeeNone
Balance Transfer FeeNone
Cash Advance FeeNone
Over-the-Credit Limit FeeNone
Late or Returned Payment Fee$20.00

Earning points for your Five Star FCU credit card purchases is rewarding!

Apply for a credit card

Managing Your Visa Credit Card

Log in to our credit card site

  • Register your Platinum Rewards credit card number to set up your online access.
  • Pay your Visa statement online from your Five Star FCU or other checking account.
  • Check your recent purchases and current points balance.
  • Redeem your CU Rewards points for gift cards, merchandise, travel, cash back or a donation to the Saint Agnes Foundation.

Credit card login

Making Visa payments

We can take your credit card payments in a branch, either in-person or by calling 855-597-5766, option 2 to reach a branch. After banking hours, use our branch drop box boxes with instructions (no cash, please).

To make credit card payments by mailed check or online Bill Pay, please use the address on your current statement:

Five Star FCU
P.O. Box 37603
Philadelphia, PA 19101-0603

Important phone numbers

  • To activate your card, call 800-631-3197 from your home or primary phone. Outside the U.S., call 727-540-9434.
  • Traveling? Call 855-597-5766 before your trip to make sure your transactions go through. Or, call 855-695-1666 for 24-hour cardholder service.
  • If your card is lost or stolen, call 1-800-449-7728 (or call 727-299-2449 collect outside the U.S.) right away. Please note that this number is for credit cards only, not debit cards.
  • For ATM cash advances, set up a PIN by calling 888-886-0083 from your home or primary phone. There is a fee for cash advances.

Credit card accounts are available to members in good standing with the credit union; approval is based on credit history and debt-to-income ratio. Submit a signed application with copies of your two most recent paystubs at either branch, or mail to Five Star Federal Credit Union, 716 Maiden Choice Lane, Suite 101, Baltimore MD 21228 or call our Loan Officer at 443-844-3616.