
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.
Apply NowNew 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.
Visa Platinum Starter Rewards
- No foreign transaction fees when you use your card overseas
- Earn Connection Points™, which can be used for gift cards, travel on ANY airline, hotel and rental cars, cruises, and brand–name merchandise.
- New cardholders earn 5,000 Bonus Connection Points with your first purchase transaction.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Visa Platinum Starter Rewards
- No foreign transaction fees when you use your card overseas
- Earn Connection Points™, which can be used for gift cards, travel on ANY airline, hotel and rental cars, cruises, and brand–name merchandise.
- New cardholders earn 5,000 Bonus Connection Points with your first purchase transaction.
CARD FEATURES
- No Annual Fee or Balance-Transfer Fee^
- Fraud Text Alerts ◊
- Zero Fraud Liability†
- Contactless and Chip-Enabled Technology
- Online Card Management
- including travel notifications and card on/off
- Digital Wallet Payment Options
- Visa Platinum benefits:
- Travel accident insurance
- Auto rental collision insurance
- Travel and emergency assistance
- Identity theft protection
- Visa account updater ᵮ
- Additional Insurance
- Credit Life
- Credit Disability
Our Rates^
-
APY as high as
0.40%
Checking Account
Priority Checking
-
APY as high as
0.40%
Savings Accounts
(Share) Savings Accounts
-
APY as high as
0.40%
Savings Accounts
IRA Savings
-
APY as high as
1.26%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2022.
Our Rates^
-
APR as low as
1.90%
New Auto
Vehicle Loans
-
APR as low as
1.90%
Used Auto
Vehicle Loans
-
APR as low as
4.49%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 17, 2022.
Our Rates^
-
APR as low as
4.560%
15-Year Fixed
Home Loans
-
APR as low as
5.186%
30-Year Fixed
Home Loans
-
APR as low as
4.843%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective Thursday June 27, 2022. View Full Disclosures.
Our Rates^
-
APR
7.25% - 12.49%
Platinum (Low Rate)
Credit Cards
-
APR
8.75% - 14.49%
Rewards
Credit Cards
-
APR
12.49%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2022.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.30%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2022.
Our Rates^
-
APR
8.99% - 14.99%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2020.
Our Rates^
APY as high as
0.40%
Checking Account
Priority Checking
APY as high as
0.40%
Savings Accounts
(Share) Savings Accounts
APY as high as
0.40%
Savings Accounts
IRA Savings
APY as high as
1.26%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2022.
APR as low as
1.90%
New Auto
Vehicle Loans
APR as low as
1.90%
Used Auto
Vehicle Loans
APR as low as
4.49%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 17, 2022.
APR as low as
4.560%
15-Year Fixed
Home Loans
APR as low as
5.186%
30-Year Fixed
Home Loans
APR as low as
4.843%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective Thursday June 27, 2022. View Full Disclosures.
APR
7.25% - 12.49%
Platinum (Low Rate)
Credit Cards
APR
8.75% - 14.49%
Rewards
Credit Cards
APR
12.49%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2022.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.30%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2022.
APR
8.99% - 14.99%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2020.
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.

"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
Visa is a registered trademark of Visa International Service Association.
¹ 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.
†Visa's Zero Liability Policy covers U.S. issued cards and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use on their card. Consult issuer for additional details or visit www.visa.com/security.
Connection Points powered by CU Rewards.®
Visa is a registered trademark of Visa International Service Association.