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Choose the Visa credit card that’s right for you – whether you’re just starting out and want to build credit or you prefer a card with a generous credit limit and rewards.
Travel, Car Rental 
Worldwide 
Digital Wallet 
No Foreign 
No Annual 
Competitive Our Platinum card is ideal for members who want a higher credit limit (up to $35,000), no annual fee, and the perks of a rewards card.
Our Classic card is perfect for members seeking a low-cost credit card with no annual fee and credit limits to $15,000. Members of our Golden Owl Club (age 62+) are eligible for a Golden Owl card at a lower rate than our Classic card.
Our Starter/Student card is great for members who are students or who are building or reestablishing their credit history. There is no annual fee and a credit limit up to $2,500.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
| Interest Rates and Interest Charges | ||||
|---|---|---|---|---|
| Platinum Rewards | Golden Owl* | Classic/Starter-Student | ||
| Annual Percentage Rate (APR) for Purchases | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness | |
| APR for Balance Transfers | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness | |
| APR for Cash Advances | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness | |
| Penalty APR and When it Applies | None | |||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. | |||
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. | |||
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit theConsumer Financial Protection Bureau website at http://www.consumerfinance.gov/learnmore. | |||
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| Fees | |
|---|---|
| Annual Fee | None |
Transaction Fees
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Penalty Fees
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How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
See your account agreement for more details.
*The Golden Owl Visa card offers exclusive benefits for our members aged 62 or older.
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