A smiling woman in glasses sitting at an outdoor cafe table, holding a credit card and a jar with a drink, with notebooks, a phone, and highlighters on the table.

Credit Cards

A credit card should give you options. Not more financial stress.

Sometimes you need a convenient way to make everyday purchases. Sometimes you need help handling something unexpected.

Tell us what you need the card to do. We’ll help you understand the rate, fees and payment—and see whether it makes sense for your financial life.

Let's Take A Look View Current Rates →

A simple card that’s easier to understand.

Some credit cards make it difficult to see what you’re really paying. Ours is designed to be straightforward, with a low fixed rate and fewer fees adding to your balance.

The Alcon Employees FCU VISA® Credit Card offers:

  • A low, fixed interest rate

  • No annual fee

  • No cash-advance fee

  • No over-the-limit fee

  • Worldwide VISA® acceptance

  • Fraud protection and secure digital payments

  • Online and mobile card management

Before you decide, we’ll explain the rate, potential costs and how your payment is calculated in language that makes sense.

See Your Options View Credit Card Disclosure →

Focus on more than the minimum payment.

A credit card can provide useful flexibility. But when a balance carries from one month to the next, interest can make purchases cost more over time.

We want you to see the whole picture. That means understanding your available credit, current balance, required payment and how long repayment could take.

The goal isn’t simply to open another account. It’s to give you an option you can use with confidence.

What happens next?

Tell us what you need.

Apply online, call us or stop by. If you’re unsure whether a credit card is the right option, start with a conversation.

Understand the details.

We’ll review your application and clearly explain the available credit limit, fixed rate, payment expectations and next steps.

Use and manage your card.

Once your card arrives, you can use it anywhere VISA® is accepted. Online and mobile access make it easier to view your balance, monitor transactions and make payments.

Let's Take a Look

VISA® Credit Card Questions

  • No. The Alcon Employees FCU VISA® Credit Card does not have an annual fee.

  • The card has a fixed interest rate, making the cost of carrying a balance easier to understand and anticipate.

  • No. We do not charge a cash-advance fee or an over-the-limit fee. Interest and other terms may still apply, so review the credit card disclosure before completing your application.

  • You can use it anywhere VISA® is accepted, including millions of stores, service providers and online retailers worldwide.

  • Your available credit limit will be based on the information reviewed during the application process. We’ll clearly explain the amount available to you before you accept the card.

  • VISA® provides fraud monitoring and security features for in-person and online purchases. If you notice a transaction you don’t recognize, contact us promptly so we can help.

  • Yes. Online access allows you to view balances, track transactions, make payments and set account alerts.

  • You can apply online, call us or visit the branch. If you aren’t sure whether a credit card is the best fit, tell us what you’re trying to accomplish. We’ll help you look at the available options.

See whether this card fits the bigger picture.

The right credit card should be clear, manageable and useful—not another source of financial stress.

Let’s look at what you need and find the option that makes the most sense.

See What We Can Do