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CapEd Visa® Platinum Credit Card

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The CapEd Visa Platinum card earns you 1X point per dollar spent, has no annual fee or balance transfer fee, and features some helpful travel protections including travel accident insurance up to $1,000,000.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 9.45%–17.45%
Intro Balance Transfer APR: 4.90% for 12 months
Intro Purchase APR: 4.90% for 12 months

CapEd Visa® Platinum Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 1X ScoreCard Rewards point per dollar spent

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 4.90% for 12 months
Regular Balance Transfer APR 9.45%–17.45%
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 17.99%
Cash Advance Fee 3%
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • Auto Rental Insurance
  • Roadside Assistance
  • Baggage Delay Insurance
  • Travel Accident Insurance
CapEd Visa® Platinum Credit Card


  • 1X ScoreCard Rewards point per dollar spent
  • You may qualify for a 12 month intro APR of 4.90% for purchases, balance transfers, and cash advances made within the first 6 months, after which your rate will be 9.45%–17.45%
  • Travel accident insurance
  • No balance transfer fee
  • No annual fee


Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The CapEd Visa Platinum Credit Card comes with an exceptionally low regular APR, of 9.45%–17.45%.

Qualified applicants will get an intro APR of 4.90% for 12 months, which is good for purchases, balance transfers, and cash advances made during the first 6 months.

This card offers 1X ScoreCard Rewards point per dollar. Cardholders also get Travel Accident Insurance up to $1,000,000, which covers accidental death and dismemberment when traveling by common carrier.

The CapEd Visa Platinum is fee-free, for the most part: there’s no annual fee and no balance transfer fee. There is a 1% foreign transaction fee, but this is quite a bit smaller than most cards.

This card is issued by the CapEd Credit Union. CapEd membership is available to anyone who:

  • Works for, volunteers with, or is retired from the educational industry in Idaho
  • Has an immediate family member or member of the household who meets the above qualification
  • Has an immediate family member or member of the household who is currently a CapEd member
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