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36 | WINTER 2021 PL ATINUM BENEFITS INCLUDE: • Lower APR* • Greater global protection and enhanced fraud protection with Chip-Enabled Technology • Protection from fraudulent charges with Zero Fraud Liability** • Travel with peace of mind knowing you have $500,000 in Travel Accident Insurance • When renting a car, know you're protected with Auto Rental Collision Insurance • Travel and Emergency Assistance puts you in touch with the appropriate emergency services should the need arise Low-Rate Rewards Secured Connection Points™ No Yes No Annual Fee $ – $ – $ – Balance Transfer Fee $ – $ – $ – Cash Advance Fee $2 $2 $2 Foreign Transaction Fee 1% None 1% Platinum Benefits Yes Yes Yes Compare the cards below to determine which one is best for you: * As of 1/1/2021, the current nonpromotional variable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances is based on creditworthiness and ranges from: Visa Platinum: 7.00%–12.24%, Visa Platinum Rewards: 8.50%–14.24%, Visa Platinum Secured: 12.24%. If you default under your card agreement with us, we may increase your APR to the fixed default APR which equals 18.00%. The APR will vary with the market based on the Prime Rate and is subject to change after the account is opened. Annual fee: $0. Balance transfer fee: $0. Cash advance fee: $2. Minimum finance charge: $.50 except where prohibited by law. Foreign transaction fee: 1% of transaction amount after its conversion to U.S. dollars. There is no fee for the Rewards card. Connection Points powered by CURewards®. ** Zero Liability Policy does not apply to ATM transactions, to PIN transactions not processed by Visa, or if you were negligent or fraudulent in the handling of your card, including failure to report loss or fraud in a timely manner. † Must have the American Airlines Credit Union Visa Platinum Rewards Credit Card or Platinum Starter Card to earn Connection Points on Debit Card purchases — valid only on Flagship Checking accounts. Visa is a registered trademark of Visa International Service Association. Credit Card ONLINE SAFETY Remember, American Airlines Federal Credit Union will never call and ask you to provide personal information such as your Social Security number or the three-digit CVV number on the back of your debit or credit card over the phone. If someone calls asking for personal data, even from a familiar number, this may be an act of "spoofing," or someone disguising themselves as a trusted source in order to fool you into revealing your info. Our Visa® Platinum cards offer more choices, great rates and exclusive benefits. Credit Cards