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VISA Rewards Credit Card

TruRewards with the TruGrocer VISA Rewards Credit Card.

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TruGrocer VISA® Rewards Credit Card

Accepted almost anywhere with Tap and Go EMV chip for extra security.

The TruGrocer VISA® Rewards credit card gives you purchasing power and convenience at your fingertips! Use it at over 14 million different locations, wherever the VISA® logo is displayed. Use it to make purchases, and cash advances at ATMs and financial institutions worldwide*.

Add your card to your electronic wallet with Apple Pay®, Samsung Pay®, or Google pay®

TruGrocer VISA® Rewards Credit Card Features

New Rewards Program-TruRewards

  • Earn 3 points for every $1 spent on qualifying grocery purchases¹
  • Earn 2 points for every $1 spent on qualifying gas purchase²
  • Earn 1 point for every $1 spent on other purchases.

Redeem your rewards points for cash back, statement credit³, gift cards, travel, merchandise, and more.

Competitive Rates and Low Fees

Enjoy a fixed 16.90% Annual Percentage Rate, with a 25-day grace period on purchases.

  • No annual fee
  • No cash advance fee*
  • No balance transfer fee
  • No fee to redeem rewards.

Interested in Applying

The fastest way to obtain a TruGrocer VISA® Rewards credit card is to click the “Apply Now” button, or we can send you a TruGrocer VISA® Rewards application that you can complete and return to your local branch. If you prefer we send you an application, please send us an email at info@trugrocer.com or give us a call at 1-855-320-6460.

A visual example of a VISA Rewards TruGrocer Credit Card.

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How long does it take?

Once we receive your TruGrocer VISA® Rewards application, processing will take one to two business days. Once approved, receiving your card takes approximately seven to ten business days. Your Personal Identification Number (PIN) arrives a few days after you receive your card for security purposes.

What if my card is lost or stolen?

Call TruGrocer at 1-855-320-6460 option 1 to report your card lost or stolen.

How can I avoid fraud on my TruGrocer Rewards VISA® credit card?

As the use of plastic payment methods increases, the potential for fraud also goes up. Plastic cards are easily stolen, counterfeited, and then resold. Even a discarded receipt from a credit card transaction often contains enough information to perform fraudulent Internet transactions. Help reduce your exposure to credit card fraud by following these simple rules:


  • Sign your plastic cards with permanent ink immediately upon receipt
  • Commit your PIN to memory
  • Carry only the cards you plan to use
  • Store unused cards in a secure, locked space
  • Open your statement promptly and reconcile your account
  • Review all of your card transactions carefully and report anything unusual immediately
  • Take receipts with you and tear them up before they are thrown away
  • Routinely check your credit report for any unusual or unrecognizable activity
  • Notify the Post Office to put a hold on your mail when you are out of town or arrange for a trusted friend to collect your mail each day


  • Loan your cards to anyone
  • Write your PIN on your card
  • Write your card number on a personal check
  • Give pertinent personal financial information, such as account numbers, Social Security Numbers or PIN, over the phone
  • Allow your card to be taken out of your sight during a sales transaction
  • Keep your PIN written down in your wallet

VISA Solicitation Disclosure


APR is the annual percentage rate; this is the amount of interest that is billed to your account for the convenience of carrying a balance. Please review your card agreement and welcome letter for complete APR details.

This amount is listed on the card carrier, the letter to which your card was affixed, in the upper right corner. You may also view your credit line and the balance remaining for purchases and cash advances on the Account Overview page once you have logged into MyCardInfo.

You must pay this monthly minimum to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to an amount decided upon by TruGrocer FCU. Generally, the minimum amount calculation is available in your card agreement and welcome letter and can be obtained by contacting TruGrocer Federal Credit Union.

If you have questions regarding your statement or feel there is an error, please contact our customer call center by dialing 1-855-320-6460.

If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps:

  1. Double-check your receipts and check with other authorized card users.
  2. Contact the merchant where the purchase originated.
  3. If you cannot resolve your dispute with the merchant, please complete and mail or fax the appropriate form to the designated number on the Contact Us page of the Help & Info menu.

If you have any questions, please contact our customer call center by dialing 1-855-320-6460.

Your account safety is our primary concern. Please refer to the Privacy Policy page of the Help & Info menu for specific policies and information.

Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We strongly recommend that you call our customer call center by dialing 1-855-320-6460 prior to your departure as a fraud protection measure.

Most times, TruGrocer FCU will grant additional users. To request this, please contact our customer call center by dialing 1-855-320-6460. They will quickly gather the necessary information from you.

If you cannot log into your account online, please use the “I Forgot My Username” or “I Forgot My Password options” displayed on the Log In page.

TruGrocer FCU may offer cash advances on your card.You may contact us by using the information on the Contact Us page of the Help & Info menu or refer to your card agreement for more information.  Generally, you can use a Personal Identification Number (PIN) to withdraw at an ATM or visit a TruGrocer FCU that offers cash advances on the type of card you have been issued. Refer to your card agreement for cash advance fees, rates, and limitations.

TruGrocer FCU may have issued a PIN when your card was sent to you. If you did not receive the PIN, you can request a new one by contacting us by dialing 1-855-320-6460.

Contact TruGrocer

*Cash Advance Fees may apply at ATMs, other financial institutions, and merchants

¹Exceptions to Grocery Cashback: Warehouse clubs like Costco and Sam’s Club, big-box stores with grocery sections (Target, Walmart, Fred Meyer), Superstores, and convenience stores with limited grocery offerings. Grocery Cashback applies to stand-alone stores and supermarkets.

²Gas cashback applies to gas purchases made in stand-alone gas stations that primarily sell gasoline to consumers. Gas cash back does not apply to gas stations located within supermarkets or warehouse clubs, marinas, and other commercial fuel providers.

³Statement Credits are posted to the Credit Card Account on the next cycle date.