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Platinum Card

0% intro APR^* on purchases and balance transfers for 20 billing cycles. After that, a variable APR, currently 14.24%-24.24%.^*

See terms & conditions

Next Step: Apply

Limited time offer

The purchasing power of Zero

0% intro APR^* on purchases and balance transfers for 20 billing cycles. After that, a variable APR, currently 14.24%-24.24%.^*

See terms & conditions

Next Step: Apply

0% intro APR* for 18 billing cycles

That's a full 18 months without interest!

Handle emergencies with zero

In the event of an unexpected bill, a 0% Intro APR can keep your finances more manageable.

No annual fee

Enjoy all of these benefits with no annual fee.

Terms & Conditions

Take advantage of this extended low rate.

Easily add to your mobile device for simple, secure payments

Make mobile purchases with compatible Apple^®, Android^® or Samsung^® phones.

Monitor your account online

You can conveniently check on your account through our mobile and online portals.

Secure and protected

Enjoy peace of mind with chip-enhanced acceptance, zero fraud liability,¹ emergency card replacement, travel and emergency assistance, extended purchase warranties and 24/7 U.S.-based customer service.

Now pay over time with a Card ExtendPay plan

Split purchases into affordable payments with no interest – just a low, fixed monthly fee^*.

New cardmembers receive a $0 fee offer on ExtendPay plans opened in the first 60 days after account opening.

Annual Fee

None IRCO Community Federal Credit Union Platinum Card Terms & Conditions

Intro APR^* for Purchases:

Platinum: 0% introductory APR for the first 18 billing cycles. After that, 17.99% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. IRCO Community Federal Credit Union Platinum Card Terms & Conditions

Intro APR^* for Balance Transfers:

Platinum: 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. After that, 17.99% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. IRCO Community Federal Credit Union Platinum Card Terms & Conditions

0% intro APR^* for 18 months

Offer available for a limited time.

Apply Now

Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.

Subject to credit approval.

^*The introductory rate does not apply to cash advances. Balance Transfer Information: Balance transfer transactions from other Elan Financial Services accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 1-800-558-3424. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by Elan shall not be honored unless the check(s) has been stolen, lost or destroyed. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. Elan Card ExtendPay fees: A monthly fee not to exceed 1.6% of the original principal amount in an Elan Card ExtendPay plan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay plans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.
1. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate.