TCCU Online

Visa^®Credit Cards

Town & Country Credit Union has the credit card to fit your individual needs! Our Visa Classic^®Student is perfect for young adults looking to build their credit, Visa Classic^®comes with a low rate and our Visa Signature^®earns 1.5% unlimited cash back on all net purchases! Consider all the benefits of a Town & Country Credit Union credit card:

No Annual Fee^†
Local Service
Lock and unlock your card within TCCU Online
Contactless Payment Method
24/7 Roadside Dispatch
Visa Zero Liability^‡
Use in your phone's Mobile Wallet

Visa Signature^®

Fixed rate of 9.9% APR*
Unlimited 1.5% Cash Back on net purchases paid out on demand
Earn additional cash back at select retailers
Credit limit up to $75,000**
Visa Travel & Lifestyle Benefits
View the Visa Signature Disclosure
View the Unlimited Cash Back Terms & Conditions

Apply Now for a Credit Card

Visa Classic^®

Fixed rate of 10.9% APR*
Credit limit up to $5,000
View the Visa Classic Disclosure

Apply Now for a Credit Card

Visa Classic^®Student

Fixed rate of 4.9% APR*
Credit limit up to $5,000
Ages 13-23
Changes to a Visa Classic® at age 24
View the Visa Classic Student Disclosure

Apply Now for a Credit Card

*Approval is dependent on credit and underwriting factors. Terms, conditions and restrictions may apply and are subject to change. †Fee for foreign purchases – 1% of each transaction in US dollars; Balance transfer fee – 1.5%, minimum of $5; Cash advance fee – 4%, minimum of $10; Late payment fee – up to $28; Returned payment fee – up to $25. **Credit limits greater than or equal to $5,000 require a checking account with direct deposit. ‡Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.

Resources for Existing Cardholders

Redeeming Cash Back

View and redeem your cash back by clicking on Credit Card within TCCU Online. You can apply your earnings to your credit card balance or deposit it into your Town & Country account.

Cash Back redemption can only be accessed using TCCU Online through an internet browser, not the mobile app.
Don't have TCCU Online access? Sign up for online access or let us help you redeem your cash back by calling 1-800-872-6358.

Plus, earn additional cash back when shopping at select retailers! View bonus Cash Back offerings by logging into TCCU Online using an internet browser. Click Credit Card, then click on Rewards to view and activate bonus offers.

Redeeming Rewards Points

If you are currently earning rewards points with your Visa Signature® (cards opened before 9/1/22), you can redeem and check your points:

Within the credit card portal in TCCU Online.
By visiting www.curewards.com/login and creating a login and password.
By calling the rewards hotline at 800-637-7728

Switch from Rewards Points to Cash Back

If you currently earn Rewards Points and want to switch to Unlimited Cash Back, you may update your Rewards choice. To process this change, we will close your current credit card and issue a new one which you will receive in 7-10 business days.

Making a Credit Card Payment

Learn how to make a payment on your Town & Country Credit Card.

Apply for a Credit Card or a Limit Increase

We offer Visa Credit Cards in Fargo, Kenmare, Minot, Stanley, West Fargo, Moorhead and more.

Additional Resources

Reliable and Positive.

I chose Town & Country because they are reliable. Town & Country has helped me get a loan for my car and, secondly, to get a loan for my church instruments... It’s always positive anytime I come, so I’m very happy to be with Town & Country.

Titus | Member Since 2019
Non-Profit Leader Watch Full Testimonial