Visa Signature® Cash Back Credit Card
Earn unlimited 2% cash back* on everyday purchases, plus, up to $100 Global Entry® or TSA PreCheck® rebate.**
APPLY NOWBalance-Transfer Offer
Enjoy a low balance-transfer promo rate for nine months when you open a new Visa® or Visa Signature® consumer credit card.
Our premier credit card offers premium benefits and perks.
Card Features
- 2% unlimited cash back on all purchases
- Global Entry or TSA PreCheck rebate up to $100
- No annual fee
- No foreign transaction fees
See the Visa Signature Cash Back Credit Card Rates and Fees.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Card Features
- 2% unlimited cash back on all purchases
- Global Entry or TSA PreCheck rebate up to $100
- No annual fee
- No foreign transaction fees
See the Visa Signature Cash Back Credit Card Rates and Fees.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
ADDITIONAL FEATURES & BENEFITS
- Visa Signature Benefits
- Luxury Hotel Collection
- Concierge Service
- Rental Car Privileges
- Fine Wine and Food
- Golf Benefits
- And more
- Includes Visa Platinum Benefits
- Fraud Protection Services
- Fraud Text Alerts♦
- Zero Fraud Liability†
- Additional Insurance
- Credit Life
- Credit Disability
- Digital Wallet Payment Options
- Use your digital card immediately after opening your account.
- Add your digital card to all major digital wallet providers.
- Online Card Management
- Set up travel notifications.
- Temporarily turn cards on and off when misplaced.
- Report a card lost or stolen.
- Request a credit limit increase.
^ Credit Card Rates and Fees. Rates Subject to Change. APR is Annual Percentage Rate.
** Also available to members with a limited credit history as our Starter Card with an APR of 18.00%.
^ Credit Card Rates and Fees. Rates Subject to Change. APR is Annual Percentage Rate.
** Also available to members with a limited credit history as our Starter Card with an APR of 18.00%.
Our Rates^
-
APR
14.25% - 16.25%
Signature Cash Back
Credit Cards
-
APR
12.00% - 17.74%
Platinum Rewards
Credit Cards
-
APR
10.50% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
15.74%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
Our Rates^
-
APY as high as
1.87%
Savings
Share/IRA Accounts
-
APY as high as
4.05%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.00%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2026.
Our Rates^
-
APR as low as
3.74%
New Auto
Up to 36 Months
-
APR as low as
4.24%
Used Auto
Up to 36 Months
-
APR as low as
4.49%
New Auto
Up to 60 months
-
APR as low as
4.99%
Used Auto
Up to 60 months
-
APR as low as
6.99%
RV
Vehicle Loans
-
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 19, 2025.
Our Rates^
-
APR as low as
5.448%
15-Year Fixed
Home Loans
-
APR as low as
6.075%
30-Year Fixed
Home Loans
-
APR as low as
6.085%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.250%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 19, 2025. View Full Disclosures.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2026.
Our Rates^
-
APR
12.24% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
Our Rates^
APR
14.25% - 16.25%
Signature Cash Back
Credit Cards
APR
12.00% - 17.74%
Platinum Rewards
Credit Cards
APR
10.50% - 18.00%
Platinum Low Rate
Credit Cards
APR
15.74%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
APY as high as
1.87%
Savings
Share/IRA Accounts
APY as high as
4.05%
Short-Term Share Certificate
Share Certificate
APY as high as
4.00%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2026.
APR as low as
3.74%
New Auto
Up to 36 Months
APR as low as
4.24%
Used Auto
Up to 36 Months
APR as low as
4.49%
New Auto
Up to 60 months
APR as low as
4.99%
Used Auto
Up to 60 months
APR as low as
6.99%
RV
Vehicle Loans
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 19, 2025.
APR as low as
5.448%
15-Year Fixed
Home Loans
APR as low as
6.075%
30-Year Fixed
Home Loans
APR as low as
6.085%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.250%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 19, 2025. View Full Disclosures.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2026.
APR
12.24% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
Mobile & Digital Services
We understand your on-the-go account access needs.
Mobile Apps
Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!
GET THE APPS♦
- Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
♦ Message and data rates may apply. Check with your mobile provider.
Apple Watch is trademark of Apple Inc.
Google Play is a registered trademarks of Google LLC.
Digital Wallet
Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.
Apple Pay and Apple Watch are trademarks of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.
Google Pay and Google Play are registered trademarks of Google LLC.
Financial Management Tools
Our budget and finances feature allows our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track:
- Personal Finance Manager and Credit Monitoring.
MARKETPLACE
With our one-stop shop for financial apps, you can select from a set of third-party apps to help you run your business, pay down loans fast, donate to charities and much more – all in one convenient location.
Please note: Fees and qualifications vary by app.
Apps include:
- Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
- Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
- Givio Individuals can donate to more than 1.6 million 501(c)3 nonprofits – or support a cause from a list of local nonprofits – directly from their bank account.
- OneDigitalTrust Users of this estate- and inheritance-planning platform can create legal documents, including wills, living trusts, healthcare and financial powers of attorney and others.
- Trustworthy® Successful modern families can collaborate with loved ones and advisors to protect and organize their most important information. Secure items like family IDs, money, property, passwords, insurance, tax records, estate documents, contacts, and more – all in one place.
To register: Use a browser to log into online banking and select “Marketplace” to get started. Your Marketplace apps can be managed through the Credit Union app♦ after completing registration on a browser.
American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party
♦ Message and data rates may apply. Check with your mobile provider.
Visa and Visa Signature are registered trademarks of Visa International Service Association.
* Unlimited 2% cash back is for all purchases. Cash back is not earned on cash advance, balance-transfer or convenience check transactions posted to the account. See Cash Back rules available on our website for complete program description at AACreditUnion.org/Cash-Back.
** Each eligible cardholder account can receive up to a one hundred United States Dollars ($100 USD) statement credit every four (4) years for completing the following qualifying transactions: Global Entry application fee or TSA PreCheck application fees. After the first occurrence of the airport security credit, Visa will start the four-year clock on eligibility from the award generation date. The account (individual 16-digit account number) will again be eligible for an airport security credit after four (4) years from the initial award generation data.
The TSA PreCheck trademark is used with the permission of the U.S. Department of Homeland Security.
♦ Message and data rates may apply. Check with your mobile provider.
† Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use on their card. Consult issuer for additional details or visit Visa.com/security.
