A Charter Oak Visa® Platinum card gives you more, like exciting ScoreCard® Rewards Bonus Points redeemable for merchandise and travel.

Our Platinum cards offer big benefits:*

  • Great rate options
  • No annual fee
  • No fee for balance transfers
  • No fee for cash advances
  • Bonus Points
  • 24/7 secure online account access
  • Travel accident insurance
  • And much more!
View Rates
Apply Online Today

or call our Contact Center at 860.446.8085 or 800.962.3237

or stop by any Charter Oak Branch.

*See Visa® Platinum and Visa® Platinum Variable Credit Card Disclosures for other terms and conditions associated with these accounts.

Visa® Benefits PDF Download Effective February 1, 2021

Important Information For Charter Oak Visa Credit Card Members

In our continuing efforts to reduce fraud and further improve the safety and security of your Charter Oak Visa Credit Card, we will be modifying certain card availability effective January 29, 2021.

We have been experiencing increased fraud within our Visa portfolio as fraudsters have become very clever in deceiving some of our members. Currently, your Visa available credit is immediately returned to you when we receive your payment. Beginning on January 29, 2021, we will be placing a 10-day holding period on credit card availability for certain larger payments above our fraud-detection thresholds until the payment is received and collected by Charter Oak.

This large-payment threshold may change on occasion based on our fraud analytics that we use to detect and deter fraud within our Visa credit card portfolio. Any payments below $2,000 will not be affected, as that would be the minimum fraud threshold. If you need sooner-than-10-day credit card availability upon your large payment to Charter Oak, a member of our Visa Department will be available to discuss this with you by calling 860.446.3301.

We value your membership with Charter Oak and we do realize this new holding period effective January 29, 2021 may be an inconvenience at times to some of our Visa credit card holders. We are taking these appropriate measures to ensure the continued safety and security of our Visa credit card members.

Access Visa® EZCARD INFO
Visa e-brochure
Visa® application and solicitation disclosure
Visa® credit card agreement
Visa® platinum variable account opening disclosure
Visa® platinum account opening disclosure
Visa® balance transfer form

Visa® Credit Card Security and Fraud Protection

Please remember to provide us with your most up-to-date contact information, including your cell and home phone numbers.  If potential fraud is detected on your Visa® credit card, a Fraud Representative will call you via the phone numbers we have on file.  So to ensure we provide a seamless and easy way to keep your Visa® card safe or keep it from being blocked, please make sure we have your correct phone numbers.

To update your phone numbers, you have three easy options:

  • Call our Contact Center at 860.446.8085 (toll free 800.962.3237)
  • Visit us in a branch
  • Send a secure message via Online Banking

ScoreCard Rewards

Life should be rewarding – and it is with the ScoreCard Rewards program. Charter Oak’s Visa® cards earn Bonus Points toward valuable merchandise and travel. Find out more about ScoreCard Rewards!

eZCardInfo Service

eZCardInfo is a secure online service that lets you monitor your Charter Oak Visa account. Log in any time to review your transactions, make a payment, check your available credit and more. This free service can help you keep track of your spending and safeguard your account from fraudulent transactions. Using eZCardInfo gives you instant 24/7 access to your Visa account.

For enhanced security and convenience, we strongly encourage all of our Visa cardholders to access their eZCardInfo information and transactions – from checking available credit to making a payment – through their credit card account in Online Banking at CharterOak.org. Accessing your eZCardInfo information through Online Banking is easy, convenient, and always accessible from your desktop, smartphone, or our easy-to-use app.

Simply log in to Online Banking and click or tap on your credit card account for instant access to eZCardInfo, including your ScoreCard Rewards information and updates. If you’re not yet an Online Banking user, visit our CharterOak.org home page and click or tap on “Register” in our Online Banking login to complete the process or download our convenient Online Banking app in The App Store or Google Play. For further assistance, please call our Visa team at 860.446.3301.


Visa® Debit/ATM Card

A Visa Debit card works like a check. Just use your Visa Debit card when you are ready to pay. Debit card transactions are automatically deducted from your checking account and typically posted within 24 hours of your purchase.

Learn More

Helpful Visa® Card Information

Apply today

To apply for a credit card in person or for questions about our Visa card programs, please stop by any Charter Oak branch or call our Contact Center during regular business hours at 860.446.8085. If you are calling long distance, please call 800.962.3237.

Visa® Customer Service

To reach Visa® customer service, please call 1.800.299.9842.

Lost/Stolen Visa® Credit Cards

If your Visa® Credit Card is lost or stolen, please call 1.800.325.3678.
If you are outside of the United States, please call collect 410.581.9994.

Lost/Stolen Visa® Debit Cards

If your Visa® Debit Card is lost or stolen, please call 1.800.472.3272.
If you are outside of the United States, please call collect 614.564.3075.

Credit Counseling

For information about credit counseling services, please call 1.866.791.4360.

Mailing Payments

Please mail your payments to:

PO BOX 4521
CAROL STREAM, IL 60197-4521

Billing Inquiries

Please send all billing inquiries and correspondence to:

PO BOX 30495
TAMPA, FL 33630

ScoreCard Rewards

Visit ScoreCard Rewards.

Credit & Debit Card Travel Information

Planning to travel overseas and use your Charter Oak Visa Credit or Debit card?

Please be aware that your cards cannot be used in certain countries or regions because of federal Office of Foreign Asset Control (OFAC) regulations or because of high fraud volume.

So please call us before you travel! By calling our Contact Center at 860.446.8085 or 800.962.3237 before you travel, we’ll be able to tell you whether your Charter Oak Credit Card or Debit Card can be used in a particular country or region.

For a current list of federally sanctioned countries and programs, please click on the link below.

Federally Sanctioned Countries

And before you travel, take a moment to read these helpful Travel Safety Tips by clicking the link below.

Travel Safety Tips


Savings Accounts


*APY = Annual Percentage Yield

Auto Loans


**APR = Annual Percentage Rate

Checking Accounts


*APY = Annual Percentage Yield


**APR = Annual Percentage Rate

Rates effective January 23, 2023