If you live in Aurora or anywhere across the Denver metro and you want a credit card with no annual fee and a low interest rate, Fitzsimons Credit Union offers a full VISA lineup built around exactly that. Every Fitzsimons credit card carries a $0 annual fee, so choosing the right one comes down to how you plan to use it, not what it costs to hold.
Where can I get a credit card with no annual fee in the Denver metro?
At Fitzsimons Credit Union. All five of its VISA cards have no annual fee:
• VISA Platinum Rewards Elite
• VISA Platinum Rewards
• VISA Platinum
• VISA Secured Platinum
• VISA Business Rewards
Because none of these cards charges an annual fee, you never pay just to keep the card open.
Which Fitzsimons card has the lowest rate?
The VISA Platinum is the low-rate, no-frills card. It has no annual fee and no rewards program layered on top, which keeps it focused on a competitive variable APR. It is the card to look at when your goal is to keep the cost of carrying a balance as low as possible. New cardholders also earn a $50 bonus after spending $500 on the card.
Can I move higher-rate debt to a Fitzsimons card?
Yes. If you are carrying a balance on a higher-rate card, two intro balance transfer offers can lower what you pay in interest during the intro window:
• VISA Platinum Rewards Elite: 0% intro rate on balance transfers for the first 12 months.
• VISA Platinum and VISA Platinum Rewards: 1.99% intro rate on balance transfers for the first 12 months.
These are limited-time introductory offers, and the card’s standard variable APR applies after the intro period ends. Rates, terms, and promotional offers are subject to change; see Fitzsimons’ current credit card terms for full details.
Can I earn rewards without paying an annual fee?
Yes. Two Fitzsimons cards earn rewards with no annual fee:
• VISA Platinum Rewards Elite earns 2.5 points per $1 and charges no foreign transaction fee, which helps when you travel.
• VISA Platinum Rewards earns 1.5 points per $1.
Both give new cardholders 25,000 points after spending $1,000 on the card. Points are redeemed through uChoose Rewards.
What if I am building or rebuilding credit?
The VISA Secured Platinum is secured by a Fitzsimons savings account and is made for members who want to establish or rebuild credit. It has no annual fee and reports to the credit bureaus, giving you a path toward a stronger credit profile and, over time, an unsecured card.
Why choose a credit union card for a low rate?
Fitzsimons Credit Union is a not-for-profit, member-owned cooperative serving Aurora and the greater Denver metro. Because earnings are returned to members instead of outside shareholders, the card lineup can hold annual fees at zero and keep rates competitive. You can join if you live or work in the communities Fitzsimons serves.
How to apply
You can apply for any Fitzsimons VISA card online or at Fitzsimons’ Denver metro branch. If you are not yet a member, you can open membership and apply at the same time.
Fitzsimons Credit Union is a not-for-profit financial cooperative serving Aurora and the greater Denver metro. Membership is subject to eligibility requirements. Federally insured by NCUA. All rates, fees, and promotional offers are subject to change. This article is provided for informational purposes only; confirm current details at fitzsimonscu.com or by contacting Fitzsimons Credit Union.
