Credit Cards
At Interior Federal, we understand the importance of having a credit card that fits your lifestyle and budget. That’s why we offer Visa® Platinum credit cards with or without rewards, featuring competitive low rates and straightforward service.
Platinum Credit Card
Some of the features available to you include:
- Cash Back with our Member Rewards Program
- Enjoy a low introductory rate for 6 months on Transferred Balances
- No Annual Fee, Balance Transfer Fee, or Foreign Transaction Fees!
- $250,000 Travel Accident Insurance Coverage
- $5,000 Identity Theft Protection
- Auto Rental Collision Damage Waiver
- Roadside Dispatch
- Account Management through Digital Banking
When you’re ready, you can easily apply for a rewards or non-rewards card. Simply apply for a credit card online and take advantage of our fast and secure credit card application process
Fund Your Next Adventure
Need to check on your application? Follow the link below:
Rewards Program
Redeem your points right at the pump! Earn 1 point for every $1 spent using your Visa Platinum Rewards Credit Card. From fuel to groceries to utility bills, your everyday purchases will really pay off.
Earn more with featured rewards! Rack up bonus points by shopping at participating merchants or purchasing participating products with your rewards card!
Digital Wallets
At Interior Federal, we strive to give our members the most convenient banking experience. With Digital and Wearable Wallets, you can add your Interior Federal Visa Cards to your favorite apps like Amazon, iTunes®, and PayPal®.
If you are experiencing issues with any of these payment methods, please contact this customer service number: 866-564-2919.
Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates.
Card Management
Protect against fraud and misuse in real-time, and control your cards via your smartphone, tablet, or desktop. You can:
- Turn cards on or off instantly
- Limit card use to specific merchants or purchases
- Set spending limits
- Block international transactions
- Receive real-time, in-app spending notifications
- Set travel notifications
Balance Transfers
2.90% intro APR
for 6 months
(Then a rate as low as 12.10% APR for Visa Platinum and as low as 14.10% APR for Visa Platinum Rewards credit card.)
Consolidating higher-rate credit card balances onto your Interior Federal card can help you save.
Here’s how:
Log in to Digital Banking
Navigate to Additional Services, and click on Visa Access
Select Account Services, then Balance Transfer and fill out the form
Transfers typically take 3 to 7 days to be completed. Rates and terms are subject to change based on your creditworthiness.
Worldwide Acceptance and Account Management
Your Interior Federal Visa credit card is accepted worldwide, and you can manage it anytime, anywhere through our Digital Banking platform. You can:
- Analyze your spending
- Review your statements
- Sign up for e-statements
- Make payments and set up auto payments
- Request a balance transfer with a low introductory rate
- Dispute a transaction
- Update personal information
- Report fraudulent transactions
Simply log in to your account through our Digital Banking platform or mobile app to start managing your card.
Payment Options
We offer flexible ways to make payments on your credit card. Choose the one that works best for you:
- Set up automatic payments through Visa Access in Digital Banking
- Call Customer Service at 1-866-570-1238 to schedule automatic payments
- Mail your payment to: P.O. Box 37035, Boone, IA, 50037-0035
Open an Account in 3 Steps
Please review the list of required documents before you get started.
Are You a Member?
Please use your Digital Banking credentials to login, then visit the Apply Online tab to begin your pre-filled application.
Not a Member Yet?
It’s easy to become a member and begin to take advantage of our wonderful products and services and other member benefits.
If you have an active account with Interior Federal but are unable to login to Digital Banking, click here.
For Both Credit Cards and Balance Transfers
* APR= Annual Percentage Rate. Rates and terms are subject to change and may vary based on creditworthiness and qualifications. To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau. For additional, information or assistance, please call us at 800-914-8619.
Rates information is accurate as of April 1, 2025. Rates are subject to change. Method of computing is average daily balance including new purchases. There may be fees or additional costs associated with the use of the credit card. Members may contact us to request specific information about the costs.
^Existing cardholder rates may change every March, June, September, and December based on the Prime Rate as of the 3rd Tuesday of the previous month. Rates are variable and tied to the Prime rate which can be found in the Wall Street Journal.
**Offer is subject to change. The intro rate is in effect for six billing cycles from the beginning of the card issue date. Rate is subject to credit approval.
Balance Transfers ONLY
Balance transfer requests cannot exceed your approved credit limit. Balance Transfers can take up to 3 to 7 days to complete; therefore, you may need to make payments on your other accounts to keep them current. Your other card account will not be closed (even if you transfer the entire balance). If you want to close an account, please contact the other credit card company directly. The balance transfer amount will appear on your Interior Federal statement. Payment on the amount authorized by you may or may not satisfy any outstanding balance on the designated account. The credit union is not responsible for any remaining balance or additional charges with regard to such account, or for any charges resulting in any delay in the payment and transfer of balances. The credit union reserves the right to refuse any balance transfer request. Balance transfers are assessed finance charges from the transaction date and continue until payment in full is received for the balances. Balance transfers are assessed finances charges from the transaction date and continue until payment in full is received for the balances.