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Unlike most credit cards from other lenders, our Visa® cards have NO balance transfer fee, NO cash advance fee and NO annual fee.
Plus, we offer the same great rates across the board -- for purchases, cash advances, and balance transfers!

Visa® Platinum with Rewards

  • 0.00% APR for 6 months
  • Low rate after 6-month introductory period
  • Credit lines up to $20,000
  • Cash advance rate same as purchase rate
  • Earn 1 point for every dollar spent
  • Redeem points for hotel stays, vacations, merchandise, air travel, or cash back
  • Earn bonus points for first use, birthdays, and balance transfers
  • Earn additional points by purchasing from select vendors on the Score Card Rewards website
  • Members in the same household can combine points to redeem a reward

Visa® Platinum

  • 0.00% Annual Percentage Rate (APR) for 6 months
  • Low rate after 6-month introductory period
  • Credit lines up to $20,000
  • Cash advance rate same as purchase rate

Visa® Platinum Secured

  • Establish or rebuild a positive credit history
  • Low rate and no annual fee
  • Approval not based on credit score
  • Credit lines from $200 - $5,000
  • Available credit secured by funds in your savings account
  • EMV chip for added security
Credit Card Rates
Visa Platinum Visa Platinum with Rewards Visa Platinum Secured
6 Month Introductory APR for Purchases & Cash Advances 0.00% 0.00% N/A
Annual Percentage Rate* (APR) for Purchases 13.75% - 18.00% 4.75% - 18.00% 17.24% - 18.00%
Cash Advance APR 13.75% - 18.00% 4.75% - 18.00% 17.24% - 18.00%
Variable Rate Information Your actual APR may vary and is based on prime and your credit history. A margin between 6.00% - 16.00% is added to the highest Prime Rate* as published in the Wall Street Journal "Money Rates" Table.
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance (Including new purchases)
Annual Fee None
Balance Transfer Rate Same as purchase rate
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date
Transaction Fees a. Foreign Transaction Fee - 1.00% of each transaction in U.S. dollars
Penalty Fees a. Late Payment Fee - Up to $25.00
b. Returned Payment Fee - Up to $25.00
Rate Disclosures   View All Rates

Choice Visa Platinum

No Balance Transfer Fee

No Cash Advance Fee

No Annual Fee

  • Online Banking Credit Card Functions
  • Make a credit card payment from an outside financial institution
  • Enroll in e-Alerts. Available alerts include:
    • New statement is available
    • Payment due date
    • Credit limit is reached or exceeded
    • Available balance drops below a certain amount
    • And more!
  • Enroll in credit card e-statements and receive your statement more quickly and securely than paper statements.