TopLine Federal Credit Union

Manage your credit card online.
Online account access
E-statement access

Or call 1-866-902-6082 to review your account activity, to report your card lost/stolen or to speak with a representative.

Credit Cards

TopLine's Platinum Credit Cards
TopLine's Platinum Credit cards feature a dynamic chip that is designed to better protect you from fraud.

  • The Europay, MasterCard, Visa(EMV) chip provides dynamic data that cannot be known to someone if your card is lost or stolen. Unlike magnetic stripe cards, every time an EMV card is used for payment, the card chip creates a unique transaction code that cannot be re-used, allowing for better protection from fraud. 
VISA® EMV Platinum Credit Cards
Some credit cards offer discounts and privileges, but you have to pay an annual fee to get them. Other credit cards are free, but they don't have many special features. At your Minneapolis/St. Paul area credit union, TopLine, you'll get the best of all worlds with our Platinum and Platinum Rewards Visa® EMV Credit Cards. There are no hidden costs or sneaky fees. Not now. Not ever. Plus, enjoy protection against lost or stolen cards and unauthorized purchases with VISA's Zero Liability Program.

Apply for your TopLine Platinum EMV Credit Card today and start enjoying all the benefits!

At TopLine, both the Platinum and Platinum Rewards VISA are loaded with benefits:

Plus, you will benefit from these important no-cost extras:
  • Worldwide travel and emergency assistance**
  • Free auto rental collision damage waiver**
  • Warranty Manager Service**
  • TopLine encourages the use of VISA Purchase Alerts. Receive alerts for transactions in real-time, track spending and stay on top of account balances and choose your alerts – receive them via email and/or text. It's easy to enroll any VISA Debit, Credit or Prepaid Card (doesn't have to be a TopLine card) you carry to receive real-time email and/or text alerts.
    Enroll your VISA card(s)* at www.Visa.com/PurchaseAlerts.
TopLine Platinum EMV Credit Cards: TopLine's Platinum EMV credit card is the smart choice for members who want a powerful credit card with no annual fee.

TopLine Platinum Rewards*** EMV Credit Cards: TopLine's no-fee Platinum Rewards  EMV credit card rewards you for every purchase you make. You'll earn one point for every dollar you charge. Trade in your points for plane tickets, cruises, luxury products, brand name merchandise and more. Check out our CU Rewards brochure to see a selection of the merchandise and travel options that are available. For more information on your reward options and to redeem your points, visit CURewards.com.
***One point is earned for every $1.00 spent. TopLine Federal Credit Union local rules include: points will expire 4 years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (E.g. points earned in calendar year one will expire on the last business day of calendar year 4).
Don't forget to sign up for your free, easy and convenient VISA Platinum credit card eStatement access and online account access today.
  • For assistance 9:00am - 5:00pm CT call 763-391-9494.

  • For assistance after business hours call Card Holder Services at 1-888-918-7783.

A live representative can assist you with:

  • General account information
  • Payment information
  • Questions on charges
  • Report of loss or stolen card 
  • Fraud

Rates and Terms*

Interest Rate and Interest Charges*
Annual Percentage Rate (APR) on Purchases, Balance Transfers and Cash Advances 10.65% to 17.89% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 17.89%
This APR may be applied to your account if you fail to make a required minimum payment within 60 days after the due date for that payment.
How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Annual Fee None
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

Either $10 or 2% of the amount of each transfer, whichever is greater. Either $10 or 2% of the amount of each cash advance, whichever is greater.
Penalty Fees
  • Late Payment
  • Returned Payment
  • Over-the-Limit Fee


Up to $25
Up to $25


How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See Account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

For additional information regarding how the margin and interest rate are determined, see your account agreement.
Information and rates accurate as of 03/14/18. Subject to change. For further information call 763-391-9494 or 1-800-626-1448, email Ask@TopLinecu.com, stop by any branch location or write to: 9353 Jefferson Hwy, Maple Grove, MN 55369. Must be eligible for membership at TopLine. Membership is required to obtain a credit card.

*Only U.S. VISA consumer credit, debit and reloadable prepaid cards are eligible for this service.

**Insurance products are not federally insured, are not credit union guaranteed, are not a deposit, may go down in value, and are not insured by a Federal Government Agency. TopLine does not warrant, guarantee, or insure any product or service offered by any insurance company. TopLine and the insurance companies are separate entities. See your Platinum Benefits Package disclosure for further details. Or call the Toll-Free number on the back of your card or 1-800-VISA-911.


For assistance, please contact Cardholder Services 24/7 at 1-800-654-7728

Facebook Twitter Pinterest Google + YouTube linkin-social (1K) Instagram
763-391-9494 in the Minneapolis/St. Paul Minnesota area. Outside metro area, call 800-626-1448.
© 2018 TopLine Federal Credit Union | 9353 Jefferson Highway Maple Grove, MN 55369 | Routing # 291074696
Home | About Us | Contact Us | Personal Banking | Business Banking | Online Account Access | Rates | Locations | Site Map | Privacy
Equal Housing Lender VeriSign BBB