VISA Titanium

Low Rate Credit Card 

VISA Titanium

This is simply a great all-around card for those who need a premium low rate.  It's loaded with exciting extras that complement its convenience and affordability! Enjoy a 21-day grace period and the ability to view your monthly statements online.  Check out the other FREE benefits by reviewing the VISA Enhancements.

  • Premium Low Rate
  • Credit Line Up To $30,000*
  • No Application Fee
  • FREE Balance Transfers
  • Complimentary Benefits
  • 21-day grace period on new purchases
  • FREE Online account access in Online Banking

Click here for more VISA Enhancements

GET STARTED TODAY, contact us at 1.888.369.2207, visit one of our Branches or apply online.

Click Here to Apply Now!

VISA Platinum

Credit Card with Rewards

VISA Titanium

The Platinum VISA earns rewards and will pay you for every dollar you spend while providing FREE benefits with VISA Enhancements.  Your points can be redeemed for merchandise, gift cards, travel and statement credits.  Unlike most credit cards, Essential's Platinum Visa Rewards are good for three years and can easily be redeemed within Online Banking.  Reward yourself now with an Essential Platinum VISA card!

  • Earn one reward point for every dollar you spend
  • Points do not expire for three years
  • No cap on number of points that can be earned
  • Credit Line Up To $30,000*
  • No Application Fee
  • FREE Balance Transfers
  • Complimentary Benefits
  • 21-day grace period on new purchases
  • FREE Online account access in eBanking

Click here for more VISA Enhancements

GET STARTED TODAY, contact us at 1.888.369.2207, visit one of our Branches or apply online.

Click Here to Apply Now!

VISA Share Secured

Credit Building Credit Card

VISA Titanium

Establish or rebuild your credit with a VISA Share Secured card.  You choose your credit limit by simply securing your credit card with a deposit in a Savings Account.  Open a Visa Share Secured card and watch your credit score climb!

  • Low minimum of $500 to open
  • No Application Fee
  • FREE Balance Transfers
  • Complimentary Benefits
  • 21-day grace period on new purchases
  • FREE Online account access in eBanking

Click here for more VISA Enhancements

GET STARTED TODAY, contact us at 1.888.369.2207, visit one of our Branches or apply online.

Click Here to Apply Now!

 

Essential FCU also offers these great features:

 

When traveling please remember to notify Essential to prevent unnecessary blocks on your card. Certain transactions may be blocked due to behavior conflicts on your card, this is for your security. Notifying Essential will make using your VISA Card easier so you can enjoy your traveling experience.  For Visa Global Emergency Assistance, please click here.

Smart Chip Card FAQs

* Normal credit restrictions apply. Other restrictions may apply, please see a Essential FCU Representative for details. Please note: Once approved, you will receive a cardholder agreement that gives you the details of your VISA account. See Fee Schedule for fee details.

Credit Cards - Loans - Essential Federal Credit Union

Essential Federal Credit Union is a local credit union that offers access to credit cards in Baton Rouge. Want to apply for a credit card? We can help!