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Credit Cards

Say Hello to Your Favorite Credit Card

Apply for a Credit Card

Are you a KTVAECU Member?

Yes, Apply in Digital Banking
No, Start Application
Woman tapping KTVAECU Credit Card on payment terminal

KTVAECU® Visa® Platinum Credit Card Rate Special1

4.99% Promotional APR* until February 28, 2027. Then 9.99% up to 18.00% APR.

Best current non-introductory rate: 9.99% APR Maximum rate: 18.00% APR

  • No Annual Fees
  • No Balance Transfer
  • $1.00 Cash Advance Fee
Apply Now
KTVAECU Consumer Credit Card with ghost floating in the front

Find the Card That Fits You

From earning rewards on everyday purchases to building stronger credit, KTVAECU Visa® Credit Cards give you simple features, competitive rates, and local service you can count on.

Visa® Platinum Credit Card with uChoose Rewards4

  • Zero Annual Fees
  • Zero Balance Transfer Fees
  • $1.00 Cash Advance Fee (foreign ATM transactions)
  • Easy Digital Payments

View Card Terms & Conditions

Apply for Visa® Platinum Credit Card
KTVAECU Visa Platinum Credit Card Surrounded by star icons

Visa® Share Secured Credit Card3

A Share Secured Credit Card is secured by money already in your Credit Union account (deposit must be 110% of the card limit).

  • The benefits of a credit card, secured with funds already in your account
  • Ideal for first-time cardholders
  • Helps you build credit

View Card Terms & Conditions

Apply for Visa® Share Secured Credit Card
KTVAECU Share Secured Credit Card Surrounded by star icons

Earn Rewards with Every Swipe

Earn uChoose Rewards®2 Points on your KTVAECU® Credit Card. Redeem your points for cash, gift cards, travel, and more. You choose the rewards you want.

Check your uChoose Rewards Points anytime under Card Controls5 in digital banking. Every $2.00 spent earns 1 point!

  • Every 2,500 points = $25.00 cash for debit card
  • Every 1,000 points = $10.00 cash for credit card
Explore uChoose Rewards®

Made to Make Life Easier

Speech Bubbles

24/7 Support

Need help? Contact Card Support anytime.

Call (865) 544-5400.

Debit or Credit Card

Customizable

Add a personal touch! Upload a favorite photo in digital banking, and we’ll send you a customized card6.

Personalize Your Credit Card
Location Pin

Printed In-Branch

Skip the wait and get a card instantly7 when you visit any branch.

Find a branch near you
Mobile Phone

Pay with a Tap

Add your debit card to your digital wallet or utilize the contactless chip technology built into your card for a quicker, more secure checkout.

Protect Your Card, Wherever You Are

Protect yourself with powerful tools at your fingertips wherever you go.

  • Card Controls: Turn your card on or off, set alerts and spending limits, and more.
  • Biometric Login: Set up Face ID or fingerprint login with just a few taps.
  • Card Fraud Text Alerts8: Get real-time text notifications about activity on your cards.
Customize Your Card Controls
Man sitting on a bench smiling and checking his cell phone

Take Control of Your Credit Score9

As a KTVAECU Member, you have free access to your Credit Score in Digital Banking. Check your score as often as you like and get tips on how to maintain or improve it! With KTVAECU Credit Score, you have access to:

  • Free credit score, updated daily
  • Free credit monitoring alerts
  • Personalized credit report card
  • Tips based on your credit activity
Learn More About Credit Score
Credit Score gauge with needle sitting in the middle.

Credit Card FAQs

Can’t find your question about credit cards?
Contact Us

It’s easy! You can apply online, contact us, or visit a branch location near you.

Yes, before your trip, set a travel notice in Card Controls in digital banking. If you plan to travel internationally, please contact us to ensure your card works smoothly while you explore abroad!

If you see a charge on your credit card that you didn’t make, visit our Card Dispute page to learn about the types of disputes and to file a dispute on the charge.

Make a payment from your KTVAECU account or deposit a check through digital banking for free.

Learn about more ways to make your payment on our Make-A-Payment page!

If you suspect your credit card has been lost or stolen:

1. Turn your card off in Card Controls within digital banking
2. Call (865) 544-5400 right away to block the card and issue a replacement.

To learn more about fraud protection, click here.

No, KTVAECU® Fraud Alerts come from a 5-digit short code. For more information about text scams and account security, please visit our Security Center page.

A pending transaction is a temporary hold on funds for a transaction. A posted transaction is when the money from that transaction has fully cleared your account.

Get Started with a Credit Card

Ready to apply? Log in to digital banking to get started. If you prefer, visit us in person or give us a call.

Log in to Apply
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Disclosures

  1. *APR = Annual Percentage Rate. Promotional Period for Introductory APR: The promotional APR for purchases, balance transfers, and cash advances will apply to transactions posted to new and existing credit card accounts from 9/1/2026 until 2/28/2027. Any existing balances on Knoxville TVA Employees Credit Union loan or credit card accounts are not eligible for the Introductory APR. The repayment period for purchases, balance transfers, and cash advances made during the promotional rate period will expire 2/29/2028. Any remaining balance as of 3/1/2028 will revert to the applicable credit card rate. Rate subject to change without notice and based on creditworthiness. If interest is charged, the charge will be no less than $1.50.

  2. Debit cards must be used as “CREDIT” to earn rewards. CREDIT transactions will not earn rewards when processed on a debit network; KTVAECU assumes no liability for transactions processed by the merchant on a debit network. The minimum uChoose Rewards points to redeem for business & consumer credit cards is 1,000 points; the minimum for consumer debit cards is 2,500 points. Not valid on KTVAECU business debit cards. Available to qualifying Members. Some restrictions may apply. Ask for details. uChoose Rewards is a registered trademark of Fiserv, Inc. Business debit cards do not qualify for uChoose Rewards points.

  3. Available to qualifying Members. Some restrictions may apply. Ask for details. APR = Annual Percentage Rate. Rate subject to change without notice and based on creditworthiness. Available to qualifying Members. Some restrictions may apply. Ask for details. View credit card disclosure at tvacreditunion.com/credit-card-disclosure.

  4. Be sure the Credit Union has your latest email address before registering your card with Card Controls & Alerts. Data and message rates may apply. Ask for details.

  5. Available to qualifying Members. Some restrictions may apply. Ask for details. Your account must be in good standing with the Credit Union. Funds must be available in the account at the time the order is placed. Cards will not be ordered if funds are not available. Fees apply.

  6. Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details.

  7. Some restrictions may apply. Message and data rates may apply. Not all wireless carriers support FTEU (Free To End User) texting. If your carrier does not support these texts or your mobile number is not on file, you will continue to receive phone calls if unusual activity occurs on your card. Ask for details.

  8. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Credit Score does not apply to business accounts.