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 Federal 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

Frequently Asked Questions

 

 

Improve your card gameā€¦

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

Platinum Rewards Visa

Platinum Visa

Business Visa

Rewards Visa Signature

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More Benefits

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**
Apply Online

Platinum Rewards Visa

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More Benefits

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®
Apply Online

Platinum Visa

platinum-visa.png
More Benefits

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®
Apply Online

Business Visa

business-visa.png
More Benefits

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**
Apply Online

*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 Contactless Symbol 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.

 

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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.

Enroll a Card

Rates and Terms Anchor

Rates and Terms

Interest Rate and Interest Charges*

Annual Percentage Rate (APR) on Purchases, Balance Transfers and Cash Advances

9.25% 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.

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 06/01/21. 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.

Platinum Visa, Platinum Rewards Visa and Reward Visa Signature Credit Card Agreement

Rewards Visa Signature Disclosure

Platinum Rewards Visa Disclosure

Platinum Visa Disclosure

Consumer Visa Benefits Package

Business Reward Visa Credit Card Agreement

Business Visa Disclosure

Business Visa Benefits Package