The TopLine Credit Card Advantage

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. Both our Platinum and Platinum Rewards VISA® Credit Cards offer a low variable APR*, no over-the-limit* or annual fees*, free online account access and protection against unauthorized purchases with VISA's Zero Liability Program.

Rates & Terms     Apply Online     Check Application Status



Improve your card gameā€¦

TopLine is working on improving your hand (and your wallet) with our new credit card options!

Our deal includes these new benefits:

Cash Back Rewards*
Contactless/Tap to Pay with Enhanced Security
Digital Wallets
Worldwide Travel and Emergency Assistance
Real Time Account Alerts       

Watch for more details over the coming months to play your cards right!

*On select TopLine VISA credit cards that include Rewards Visa Signature, Platinum Rewards, and Business.

TopLine Platinum Credit Card

Secure online shopping, convenient in-store purchases, cash advances and more—TopLine's Platinum Credit Card is a great choice for members who want a powerful credit card with no annual fee*. Plus, enjoy great free benefits like free eStatements, automatic payment options, Worldwide travel and emergency assistance** and more.

TopLine Platinum Rewards Card***

Earn reward points for every purchase you make with the TopLine Platinum Rewards VISA® card. Trade in your points for plane tickets, cruises, luxury products, brand name merchandise and more. Click on Reward Options to see the many options available. All this with no annual fee, a low APR and a host of additional free benefits!

View Agreement     Reward Options

Secure and convenient

TopLine's Platinum 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 Platinum 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

9.40% 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   

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


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


Annual Fee


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 01/01/21. Subject to change. For further information call (763) 391-9494 or (800) 626-1448, email, 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 and Platinum Rewards VISA EMV Credit Card Agreement