The TopLine Credit Card Advantage
Cash Back. Contactless. Digital Wallet. Lower APR.
Better protection. And no hidden fees.
Some credit cards offer discounts and privileges, but charge an annual fee. Others are free, but with limited benefits. At TopLine Financial Credit Union, you'll get the best of all worlds. All TopLine credit cards offer a low variable APR*, no annual fees*, no foreign transaction fees* and no over-the-limit fees. Plus, free online account access, contactless, digital wallets and protection against unauthorized purchases with VISA's Zero Liability Program and more.
Rates & Terms Apply Online Check Application Status
Improve your card game…
TopLine is here to help improve your hand (and your wallet) with our credit card options!
We offer four card options to fit your needs:
Rewards Visa Signature
Card Benefits:
- Minimum Credit Limit $5,000.00
- 1.5% Cash Back* (Earn 1.5 Points for Every Dollar Spent)
- Rewards* (Cash Back,Travel, Merchandise or Charity)
- Low Variable APR††
- Contactless / Tap to Pay with Enhanced Security
- Digital Wallets
- No Annual Fee†
- No Foreign Transaction Fee†
- No Over-the-Limit Fee†
- Real-Time Visa Account Alerts (enroll)
- Visa Zero Liability Program
- Worldwide Travel and Emergency Assistance**
- Road Dispatch®
- Auto Rental Collision Damage Waiver**
- Extended Warranty Protection**
Platinum Rewards Visa
Card Benefits:
- 1% Cash Back* (Earn 1 Point for Every Dollar Spent)
- Rewards* (Cash Back, Travel, Merchandise or Charity)
- Low Variable APR††
- Contactless / Tap to Pay with Enhanced Security
- Digital Wallets
- No Annual Fee†
- No Foreign Transaction Fee†
- No Over-the-Limit Fee†
- Real-Time Visa Account Alerts (enroll)
- Visa Zero Liability Program
- Worldwide Travel and Emergency Assistance**
- Road Dispatch®
Platinum Visa
Card Benefits:
- Low Variable APR††
- Contactless / Tap to Pay with Enhanced Security
- Digital Wallets
- No Annual Fee†
- No Foreign Transaction Fee†
- No Over-the-Limit Fee†
- Real-Time Visa Account Alerts (enroll)
- Visa Zero Liability Program
- Worldwide Travel and Emergency Assistance**
- Road Dispatch®
Business Rewards Visa
Card Benefits:
- 1.5% Cash Back* (Earn 1.5 Points For Every Dollar Spent)
- Rewards* (Cash Back, Travel, Merchandise, Charity)
- Low Variable APR††
- Contactless / Tap to Pay with Enhanced Security
- Digital Wallets
- No Annual Fee†
- No Foreign Transaction Fee†
- No Over-the-Limit Fee†
- Real-Time Visa Account Alerts (enroll)
- Visa Zero Liability Program
- Worldwide Travel and Emergency Assistance**
- Road Dispatch®
- Auto Rental Collision Damage Waiver**
- Extended Warranty Protection**
*On select TopLine VISA credit cards that include Rewards Visa Signature, Platinum Rewards, and Business.
Tap To Pay
When you tap to pay with your contactless TopLine credit card, checkout is safe, secure and touch-free. You can also choose the way you pay whether it’s with a contactless card, payment-enabled phone, smart watch or other device. Paying with your TopLine Visa contactless card is as simple as 1-2-3.
Look for the 
symbol on the store's checkout terminal, and tap it with your card.
Digital Wallet
Digital wallets contain digital versions of your credit cards that are stored in wallet apps on your mobile device (smartphone, smartwatch, tablet). Instead of using your plastic card to make purchases, digital wallets offer a convenient way to pay by allowing you to simply use your phone to pay in stores, in apps, or online.
Convenient
Your TopLine credit card can be accessed even if you leave your credit card at home.
Easy to Use
Use your wallet to pay wherever you see the contactless symbol by holding your phone up to the symbol on the terminal.
Secure
You have the added security that's built into your mobile wallet, like fingerprint, passcode and facial recognition.
Add a card to your phone’s mobile wallet
Select your mobile wallet below or open the mobile wallet app on your phone and follow the instructions.
Secure and convenient
TopLine's Credit Cards feature a dynamic chip to protect you against fraud-even if your card is lost or stolen. So you can shop more conveniently and worry less!
VISA Purchase Alerts
Stay in the know—and stay protected! Enroll your TopLine Credit Card for real-time email and text alerts to track spending, stay on top of account balances and more.
Rates and Terms Anchor
Rates and Terms
|
Interest Rate and Interest Charges* |
|
|---|---|
|
Annual Percentage Rate (APR) on Purchases, Balance Transfers and Cash Advances |
14.50% 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% |
|
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 |
| Fees | |
|
Annual Fee |
None |
|
Transaction Fees |
|
| Balance Transfer | Either $10 or 2% of the amount of each transfer, whichever is greater. |
| Cash Advance | Either $10 or 2% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction | None |
|
Penalty Fees |
|
| Late Payment | Up to $25 |
| Returned Payment | Up to $25 |
| Over-the-Limit Fee | None |
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 4/01/24. Subject to change. For further information call (763) 391-9494 or (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 by a Federal Government Agency, are not credit union guaranteed, are not a deposit and may go down in value. 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.
Holiday Cash Back Disclosure: *Must spend a minimum of $100 to qualify for the cash back bonus. Maximum cash back earnings of $500. Cash back earnings will be shown on your credit card statements. 5% cash back offer is earned on all Amazon merchant code purchases, 2% on all gas stations, travel and wholesale club merchant code purchases. Excludes balance transfers. Credit card account must be in good standing to receive the cash back earnings. Offer valid November 1, 2023 – January 31, 2024. TopLine is not affiliated with Amazon, Costco or Sam's Club.
Platinum Visa, Platinum Rewards Visa and Reward Visa Signature Credit Card Agreement
Rewards Visa Signature Disclosure
Platinum Rewards Visa Disclosure
Consumer Visa Benefits Package
Business Rewards Visa Credit Card Agreement