Visa Platinum Starter Rewards Credit Card

If you’re just starting out and are looking for your first credit card for you or a dependent family member, our Visa® Platinum Starter Rewards card offers the same benefits of the rewards card with a lower line of credit limit.

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New to credit? Our Visa Platinum Starter Rewards card offers the same benefits of the Visa Platinum Rewards card with a slightly lower line of credit limit.

Card Features

  • No foreign transaction fees when you use your card overseas
  • Earn Connection Points™, which can be used for travel and retail gift cards or merchandise
  • New cardholders earn 5,000 Bonus Connection Points with your first purchase transaction.

Credit Card Rates and Fees

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Learn more about Connection Points

Access our calculators

Card Features

  • No foreign transaction fees when you use your card overseas
  • Earn Connection Points™, which can be used for travel and retail gift cards or merchandise
  • New cardholders earn 5,000 Bonus Connection Points with your first purchase transaction.

Credit Card Rates and Fees

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

ADDITIONAL FEATURES & BENEFITS

  • Visa Platinum benefits:
    • Travel accident insurance
    • Auto rental collision insurance
    • Travel and emergency assistance
    • Identity theft protection
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APR as low as^
15.00%
12.75%
11.25%
16.49%
Rewards
2% cash back
1 point for every $1 spent
None
None
Annual Fee^
None
None
None
None
Foreign Transaction Fee^
None
None
1%
1%
Credit Limit (Min-Max)
$5,000 - $50,000
$500 - $50,000
$500 - $50,000
$250 - $5,000

^ Credit Card Rates and Fees. Rates Subject to Change. APR is Annual Percentage Rate.

** Also available to members with a limited credit history as our Starter Card with an APR of 18.00%.

Compare Our Cards

^ Credit Card Rates and Fees. Rates Subject to Change. APR is Annual Percentage Rate.

** Also available to members with a limited credit history as our Starter Card with an APR of 18.00%.

ADVICE, TIPS & NEWS

Peer-to-peer payments apps fraud on the rise

Money scams are nothing new, but with this new technology, P2P fraud is on the rise. Be vigilant about these common scams:

Read more about the common scams 

Making Money Matter

Parents want the best for their children. Parents invest time and effort in teaching their children how to walk and tie their shoes, how to look both ways before crossing the street and how to read and do math. In fact, for many parents, that protective instinct doesn’t end as their kids transition into young adults.

Read more tips

Visit Our Blog

Our Rates^

  • APR

    15.00% - 17.00%

    Signature Cash Back

    Credit Cards

  • APR

    12.75% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    11.25% - 16.49%

    Platinum Low Rate

    Credit Cards

  • APR

    16.49%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2023.

Our Rates^

  • APY as high as

    2.02%

    Savings

    Share Accounts

  • APY as high as

    2.02%

    IRA Savings

    IRA Share Accounts

  • APY as high as

    4.96%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.33%

    Ladder Certificates

    Share/IRA Certificates

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective March 1, 2023.

Our Rates^

  • APR as low as

    3.75%

    New/Used Auto

    Up to 36 Months

  • APR as low as

    4.50%

    New/Used Auto

    Up to 60 months

  • APR as low as

    5.49%

    RV

    Vehicle Loans

  • APR as low as

    5.24%

    Boat/Airplane

    Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 10, 2023.

Our Rates^

  • APR as low as

    6.210%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.583%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.170%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    5.875%

    5/10 Fixed

    Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective March 10, 2023.  View Full Disclosures.

Our Rates^

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.40%

    Business Savings Account

    (Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective March 1, 2023.

Our Rates^

  • APR

    12.99% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2023.

Our Rates^

APR

15.00% - 17.00%

Signature Cash Back

Credit Cards

APR

12.75% - 18.00%

Platinum Rewards

Credit Cards

APR

11.25% - 16.49%

Platinum Low Rate

Credit Cards

APR

16.49%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2023.

APY as high as

2.02%

Savings

Share Accounts

APY as high as

2.02%

IRA Savings

IRA Share Accounts

APY as high as

4.96%

Share Certificate

Share/IRA Certificates

APY as high as

4.33%

Ladder Certificates

Share/IRA Certificates

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective March 1, 2023.

APR as low as

3.75%

New/Used Auto

Up to 36 Months

APR as low as

4.50%

New/Used Auto

Up to 60 months

APR as low as

5.49%

RV

Vehicle Loans

APR as low as

5.24%

Boat/Airplane

Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 10, 2023.

APR as low as

6.210%

15-Year Fixed

Home Loans

APR as low as

6.583%

30-Year Fixed

Home Loans

APR as low as

7.170%

5/1 Arm (30-Year)

Home Loans

APR as low as

5.875%

5/10 Fixed

Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective March 10, 2023.  View Full Disclosures.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.40%

Business Savings Account

(Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective March 1, 2023.

APR

12.99% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2023.

"The fraud protection staff are awesome! This year someone used/hacked my card and attempted to use it for a rental car down in Mexico. The fraud staff called and asked if I attempted to use my card in Mexico. I told them no, and they shut the card off and sent me a brand new one right away. "

Tenisha, member since 2014

Read More Member Stories

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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 theft in a timely manner.

Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle. Always check with your service provider(s) to ensure there’s no interruption to your recurring payment arrangements.

Connection Points powered by CU Rewards.®