Visa Platinum Credit Card (Low Rate)
If you’re carrying a balance and looking for a card that offers a great interest rate, the Visa® Platinum Credit Card is the right card for you.
Apply Now0% APR* Intro Rate
Enjoy a 0% intro rate on balance transfers for six months with a Low-Rate card. After that, your rate will vary from 10.00% to 15.24% APR.
If you regularly carry a balance and are looking for a card that offers our best interest rate, our low-rate card may be what you’re looking for.
Visa Platinum (Low Rate)
- Our lowest-rate card
- 1% foreign transaction fee
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Visa Platinum (Low Rate)
- Our lowest-rate card
- 1% foreign transaction fee
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
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^
-
APR
10.00% - 15.24%
Platinum (Low Rate)
Credit Cards
-
APR
11.50% - 17.24%
Rewards
Credit Cards
-
APR
15.24%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.
Our Rates^
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
-
APY as high as
1.00%
Savings
Share Accounts
-
APY as high as
1.00%
IRA Savings
IRA Share Accounts
-
APY as high as
3.04%
Share Certificate
Share/IRA Certificates
-
APY as high as
3.82%
Ladder Certificates
Share/IRA Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2022.
Our Rates^
-
APR as low as
3.05%
New Auto
Vehicle Loans
-
APR as low as
3.05%
Used Auto
Vehicle Loans
-
APR as low as
4.74%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 1, 2022.
Our Rates^
-
APR as low as
5.956%
15-Year Fixed
Home Loans
-
APR as low as
6.456%
30-Year Fixed
Home Loans
-
APR as low as
6.632%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 7, 2022. 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
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2022.
Our Rates^
-
APR
11.74% - 17.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.
Our Rates^
APR
10.00% - 15.24%
Platinum (Low Rate)
Credit Cards
APR
11.50% - 17.24%
Rewards
Credit Cards
APR
15.24%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
APY as high as
1.00%
Savings
Share Accounts
APY as high as
1.00%
IRA Savings
IRA Share Accounts
APY as high as
3.04%
Share Certificate
Share/IRA Certificates
APY as high as
3.82%
Ladder Certificates
Share/IRA Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2022.
APR as low as
3.05%
New Auto
Vehicle Loans
APR as low as
3.05%
Used Auto
Vehicle Loans
APR as low as
4.74%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 1, 2022.
APR as low as
5.956%
15-Year Fixed
Home Loans
APR as low as
6.456%
30-Year Fixed
Home Loans
APR as low as
6.632%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 7, 2022. 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
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2022.
APR
11.74% - 17.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.
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.
* 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 17.24%.
* 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 17.24%.
"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
* APR is Annual Percentage Rate.
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.
