Visa Credit Card Benefits

Visa Credit Card Benefits

Frontwave and Visa®. We got your back.

You work hard for your money. And your Frontwave Visa card to works hard for you, too. By giving you ways to protect your identity and having your back when you’re on the road. It's just one more way that we help you make your financial dreams come true.

The following benefits are included with every Frontwave Visa® credit card:


ID Navigator Powered by NortonLifeLock

Identity theft continues to evolve and so do NortonLifeLock™ solutions.

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity so you can act quickly.

The dark web is continuously patrolled for information that may belong to you, and you’re notified if it’s found. Should large-scale data breaches occur, NortonLifeLock will keep you informed.

To help detect credit fraud, key changes to your credit file are monitored with One-Bureau Credit Monitoring.1 And if your wallet is stolen, you’ll receive guidance to help cancel or replace credit cards, insurance identification and other key documents.

Should you become a victim of identity theft, a U.S.-based Identity Restoration Specialist will help guide you on the next steps to take to help resolve the issue.

As a Visa cardholder, you will also have access to special discounts on other NortonLifeLock products.

To confirm eligibility, visit Once verified, you will be redirected to the offer page on where ID Navigator enrollment is available.

No one can prevent all identity theft.

1Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met you will not receive credit features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment. Certain terms, conditions, and exclusions apply.

Roadside Dispatch®

As an eligible Frontwave Visa® Classic, Platinum or Signature Rewards cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program. Simply call 1-800-847-2869, 24 hours a day/7 days a week. Roadside Dispatch will ask you where you are, what the problem is and will remain on the phone while arranging a dispatch to a reliable tow operator or locksmith. You pay a set pre-negotiated fee per standard service call. No membership is required and you don’t need to pre-enroll. No annual dues. No limit on usage.

The following kinds of service calls are common examples of what is covered for your set pre-negotiated fee:

  • Standard Towing – up to five miles included¹
  • Tire Changing – you must have a good, inflated spare tire
  • Jump Starting
  • Lockout Service – no key replacement
  • Fuel Delivery – up to five gallons (plus the cost of fuel)
  • Standard Winching

Please keep in mind that you will want to read the full terms and conditions provided in your Guide to Benefits for further details including restrictions, limitations and exclusions.

1Any vehicle with wheels is covered under the program as long as it can be classified as “Light Duty.” “Light Duty” vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered “Medium Duty” or “Heavy Duty” and are NOT covered under this program. Certain terms, conditions, and exclusions apply.

Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county maintained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services under certain circumstances. Service call fees are subject to change at any time; however callers will be notified of pricing prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Frontwave Credit Union shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor Frontwave Credit Union provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation.

Our Frontwave Visa Signature Rewards credit card also features:


Lost Luggage Reimbursement

Lost luggage? You're covered.

When you use your covered Frontwave Visa card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event it is lost due to theft or misdirection by the airline ($5,000 per trip maximum; if you live in New York, the maximum is $2,000 per bag).

This coverage applies to more than air travel – it also can be in place when you have used your covered Frontwave Visa card to purchase your ticket for travel via other eligible forms of transportation, such as a ferry, cruise ship, train or bus. Be sure to fill out a lost luggage report with the common carrier immediately. You will need this information when filing a claim.

Easy claim process

Collect your documents (lost luggage report, dates of travel, etc.) and go to or call 1-800-757-1274 to file a claim or get your questions answered. If you are outside the U.S., you can call collect: 1-804-673-6496. Please note that notification to the Benefit Administrator must be made within 20 days from the date the luggage was lost or stolen.

Personal Identity Theft

Personal Identity Theft provides reimbursement for covered expenses you incur to restore your identity, up to a maximum of $5,000 as a result of a Covered Stolen Identity Event.

Theft or unauthorized or illegal use of your name, transaction card account or account number, Social Security number, or any other method of identifying you, is considered a “Covered Stolen Identity Event.”

Easy claim process

Go to or call the Benefit Administrator at 1.866.679.5660 to file a claim or get your questions answered. If you are outside the U.S., you can call collect: 1.303.967.1096.

Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.


Travel and Emergency Assistance Services

Count on emergency assistance while traveling

When you’re traveling or working anywhere in the world, your covered Frontwave Visa card gets you access to a multilingual call center – 24 hours a day, 365 days a year – for the assistance you need. You, your spouse and legal dependent children under 22 years of age who are traveling with you can call toll-free in the United States, or collect when traveling abroad. Services include: medical and legal referrals, emergency transportation and more.

Easy access

Call the Benefit Administrator at 1.800.992.6029 to get your questions answered. If you are outside the U.S., you can call collect: 1.804.673.1675. Travel and Emergency Assistance Services is provided on a best-effort basis and may not be available due to problems of time, distance or location.

Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Frontwave Visa card to secure transactions. Please refer to your Guide to Benefits for further details.

Visa Card Benefits Solutions makes the benefits available to you through CBSI and enrollment is not effective until you receive a Confirmation of Receipt of Enrollment from CBSI. Please refer to the Enrollment Kit to get information on program mechanics, FAQs, disclosure requirements and other Terms and Conditions.
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