Get a little something back with our VISA® credit card.

ConocoPhillips Credit Union allows you to choose the card that fits you best. Whether that's a Platinum VISA® with a credit limit of $5,000 or above, or a Classic VISA with a credit limit of less than $5,000 we have you covered.*

CURewards™

Our Platinum VISA cards earn one CURewards™ point for every dollar spent on retail purchases. Earn double the points when you have an Advantage Checking Account. Redeem your points for name brand merchandise or domestic and international travel. You can even combine your points earned on your Platinum VISA card with those earned using your Credit Union debit card for signature purchases and reach your goals fast! Earn a reward for as few as 2,500 points.**

Platinum and Classic VISA cards benefits:

*Please see Terms and Conditions for rate, fee, and other cost information. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the Credit Card Agreement and applicable law.

Terms and Conditions

	Platinum VISA*	Classic VISA*
Variable Annual Percentage Rate (APR) for purchases and/or cash advances† Rates Effective October 1, 2009	9.75% 12.75% 15.75%	9.75% 12.75% 15.75%
Credit Limit	$5,000 or more	Less than $5,000
Annual Fee	None	$15
Late Fee	$25 (5 days delinquent)	$25 (5 days delinquent)
Returned Check Fee	$25	$25
Free VISA Checks	Yes	Yes
Transaction Fee	None	None
25-day Grace Period	You have 25 days to repay your balance before a finance charge on purchases is imposed. Cash advance transactions accrue finance charges upon posting to account.
Variable Rate for Purchases and Cash Advances†	Your APR may vary, subject to change quarterly on the first day of each calendar quarter. The rate is based upon the Credit Union’s Consumer Rate Index (CRI), which is the Credit Union’s three month average Internal Cost of Funds rounded to the nearest one-quarter of one percent, plus four (4) percentage points, plus four and one-quarter percentage points (4.25%) for A, B, & C credit; seven and one-quarter percentage points (7.25%) for D credit; and ten and one-quarter percentage points (10.25%) for E credit. The current Cost of Funds as of October 1, 2009 is: 1.50% The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.
Cash Advance Fee	1% of the Cash Advance Amount; Finance charges will begin accruing upon posting to account.
Minimum Payment	If your balance is less than $15, the balance will be your Minimum Payment. If your balance is over $15, your Minimum Monthly Payment will be the greater of $15 or the total of (1) 2% of the New Balance, plus (2) any amount past due, plus (3) if we so elect, any amount over your credit line at the time of billing.
Method of Calculation	Finance Charges are calculated on the average daily balances of Purchases and Cash Advances in the account. The principal balances of Purchases and Cash Advances are determined each day during the statement period, beginning with the principal portion of your previous balances, reduced by payments you make and debit adjustments we make during the statement period. The daily principal balances are totaled and divided by the number of days in the statement period, to produce separate average daily principal balances for Purchases and Cash Advances to which the periodic rate is then applied.
CURewards™ Points	Yes, 1/$1 in signature purchases. 2/$1 in signature purchases with Advantange Checking Account.	No

**CURewards™ are not included with Classic VISA Credit Cards.
†Variable rates subject to change quarterly. With approved credit.