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Credit Cards – Cash Back & More

About

Platinum Rewards Visa

Generous rewards AND affordable rates. Get the best of both worlds with our Platinum Rewards Visa.

Cloud9, SkyOne Loyalty Rewards

  • Earn 1 point for $1 of purchase
  • Earn unlimited points
  • Redeem rewards starting at 2,500 points
  • No annual fee
  • Protection from Verified by Visa
  • As low as 11.00% APR*

1% Cash Back

We’ll deposit the cash into your SkyOne account within two business days of your order.




Travel

Book flights, hotels, cruises, and car rental with no blackout dates or limits.




Merchandise

Shop thousands of items in our online mall. Search by category, most popular and more.




Gift Cards

Choose from a variety of brands, including retail and restaurant Gift Cards!




Charity

Donate your redemption to a charity of your choice.




Bonus Points Mall

Log into your rewards account & shop the Bonus Points Mall for direct access to
your favorite retailers!


Platinum Cardholder Benefits, Courtesy of Visa
Price Protection, Travel Accident Insurance, Travel and Emergency Assistance, and more.1

Apply Now

*APR=Annual Percentage Rate. Published Platinum Rewards Visa rates, terms, and conditions effective 02-22-2017 and are subject to change at any time. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Autopay (automatic payment) is required to receive the advertised rate discount. If Autopay is either not requested at funding, or cancelled at any point, as applicable, the rate will increase by 0.25%. The lowest Platinum Rewards Visa Credit Card rate offered will not be lower than 11.00% APR*, inclusive of any applicable rate discounts.

1 Certain restrictions, limitations, and exclusions apply. For complete Visa Benefits details, visit SkyOne.org/VisaBenefits.

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Alert Me

Perks Alert Me

APR* Alert Me
As low as
11.00% APR*

Terms and conditions

As low as
12.25% APR*

Terms and conditions

As low as
10.75% APR*

Terms and conditions

18.00% APR*

Terms and conditions

Credit Limit Alert Me
Up to $50,000 Up to $2,500 Up to $10,000 Up to $1,000
Fee-Free Services Alert Me
• No Annual Fee
• No balance transfer fee
• No cash advance fee
       
Extras Alert Me
• Mobile Wallets
• Skip A Pay
• Pay by Phone
       
Protection Alert Me
• Verified by Visa
• Loan Protection
• Purchase Protection1
       
 

*APR=Annual Percentage Rate. The regular rates include a 0.25% Autopay (automatic payment) discount. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Balances transferred from an existing SkyOne loan are not eligible for the introductory rate. Balance transfers, check requests, convenience checks and overdraft protection do not earn SkyOne Platinum Visa Travel Rewards points, and are all subject to terms and conditions of cash advances. Platinum Rewards Visa Terms and Conditions.

1 For complete details on purchase protection, refer to the Platinum Visa Benefit Guide or the Classic Visa Benefit Guide.

Manage Your Credit Cards

Convenient ways to manage your credit cards

  • Cloud9, SkyOne Loyalty Rewards™

    An exclusive benefit for SkyOne Platinum Rewards Visa® Credit Card members.

    Learn More

    *APR=Annual Percentage Rate. The regular rates include a 0.25% Autopay (automatic payment) discount. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Balances transferred from an existing SkyOne loan are not eligible for the introductory rate. Balance transfers, check requests, convenience checks and overdraft protection do not earn SkyOne Platinum Visa Travel Rewards points, and are all subject to terms and conditions of cash advances. Platinum Rewards Visa Terms and Conditions.

  • Loan Protection  

    Life is unpredictable. SkyOne Loan Protection provides peace of mind when you need it most.

    In the event of death, disability or involuntary unemployment, your loan balance or monthly payments will be cancelled, and you can enjoy peace of mind knowing you and your credit rating are protected.

    • Coverage fee built into your monthly loan payment for as low as a few dollars a month
    • Test drive SkyOne Loan Protection for 30 days for free (If you'd like to cancel your protection within the first 30 days, we'll refund any fees already paid)
    • Cancel your Loan Protection at any time

    Consult with a representative at 800.421.7111 to choose the option that works best for you.

    Get an Instant Quote

    Get your coverage. Give us a call at 800.421.7111.

    Your purchase of SkyOne Loan Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for SkyOne Loan Protection. This information will include a copy of the contract containing the terms and conditions of debt protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving SkyOne Loan Protection benefits. You should carefully read your SkyOne Loan Protection contract for a full explanation of the terms and conditions of the debt protection program.

  • Skip A Payment

    Sometimes you just need a break from your loan payments. So for a small fee*, we offer members a flexible option to “Skip" a payment on an eligible SkyOne loan or credit card once every 12 months.

    From covering unexpected expenses to freeing up extra cash for an important project, Skip a Pay is another way we can help you take more control over your money.

    • Skip a payment on credit cards and consumer loans
    • Send us your request at least 5 days before your loan payment is due

    Two easy ways to skip a payment

    *A $30 fee will be assessed for each eligible loan skipped. Your loan must meet the following conditions to be eligible for Skip a Pay: 1. All deferrals are subject to approval criteria established by SkyOne Federal Credit Union, which includes a review of your loan payment history for the last six consecutive months on all open loans and VISA® cards, and all loan(s) must be current (have no amounts past due). 2. Skip a Payment is not available for first mortgages, home equity loans and home equity lines of credit. Other loan product restrictions may apply. 3. Finance charges will continue to accrue at the rate provided in your original loan disclosures and agreements. 4. Deferring a payment will result in higher total finance charges than if you made payments as originally scheduled. 5. This payment will extend the term of your loan(s) and you will have to make an extra payment(s) after your loan(s) would otherwise be paid off. 6. You agree and are required to resume your regular payment schedule after the “skipped” month. 7. You can only skip one payment per loan every 12 months with this program. 8. To skip one consumer loan payment, a $30.00 fee will be automatically deducted from the share account you designate. If funds are not available in the designated share account, your skip-a-payment request will not be honored. 9. For members who have Guaranteed Asset Protection (GAP), claim coverage does not extend to the amount of payment(s) deferred. In addition, the coverage will not be extended beyond the original maturity date of the loan.  10. For members who have other insurance products attached to the loan, e.g. credit life, disability or debt protection, extending the life of the loan may void the insurance coverage. Refer to your specific insurance contract for terms, conditions and exclusions. 11. If the skip payment request is not submitted either verbally or via iSky five days prior to the due date, your skip a payment may not be fulfilled.

  • Card Controls – iSky Mobile Banking

    One-stop access. Instant controls.

    Never worry about leaving your card behind again. With Card Controls, manage
    your SkyOne debit and credit card access directly in the iSky Mobile app.
    Tap tap tap, and you’re done!

     

  • Overdraft Protection

    In the event your checking account doesn't have enough funds to cover your purchase or withdrawals, Overdraft Protection pulls funds from one of the following accounts to cover the transaction.

    • Savings Account – limit of six per month  Why?
    • Money Market Account – limit of six per month  Why?
    • VISA Credit Card – subject to finance charges
    • SkyOne Line of Credit – subject to finance charges

    Set up Overdraft Protection today by contacting a Member Services Representative at 800.421.7111.

    For this convenience, there is a nominal charge of $2 for each overdraft transfer. Please refer to our All-in-One Disclosure for complete details.

Tips & Tools

Learning about money is as important as earning it. Just about everyone could learn more about how to manage income, handle a budget, read a credit report, buy a house, and achieve their financial goals.

That's why we've partnered with BALANCE to provide you access to free and confidential financial counseling and education.

Tips & Tools

FAQs

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BALANCE™ Financial Counseling

Talk to a BALANCE Financial Counselor Alert Me
Phone: 888.456.2227
Live Chat
Monday - Thursday, 5 am - 8 pm PT
Friday, 5 am - 5 pm PT
Saturday, 8 am - 5 pm PT

BALANCE Website

BALANCE is a complimentary financial
counseling service for SkyOne members.

Your conversation with a BALANCE
Counselor is strictly confidential.

 

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