This low-rate card is best if you carry a balance month-to-month.
Credit Cards
What do you want from your ideal credit card? The choice is yours.
Whether you're looking for rewards, the lowest rate or a starter credit card, you have options. Whichever card you choose, there's no annual fee, no application fee and plenty of perks and protection.
Shop with confidence
Visa®'s Zero Liability Policy protects you if your card is lost, stolen or used fraudulently.
Enhanced security
Verified by Visa® safeguards your identity and your online shopping experience.
Easy online checkout
Visa®Checkout lets you skip guest checkout and bypass form fields and passwords.
Visa® Platinum
Lock in our lowest rate with Visa® Platinum, the perfect card if you carry a balance each month or want to transfer a balance from a high-interest credit card.
- 0.00% Intro APR for the first six months, then rates as low as 12.00% APR after that
- Easy cash advances at ATMs
- Automated card alerts
- Contactless cards available
- No foreign country transaction fee
- Roadside Dispatch®
Visa® Signature Rewards
Rack up the rewards by earning 1.5 points for every dollar spent, redeemable any time for cash back, merchandise, travel, or gift cards.
- 0.00% Intro APR for the first six months, then rates as low as 16.00% APR after that
- Easy cash advances at ATMs
- Automated card alerts
- Contactless cards available
- No foreign country transaction fee
- Roadside Dispatch®
- Visa® Concierge†
- Visa® Luxury Hotel Collection
- Travel emergency assistance
- Rental car
- Extended warranty protection
Visa® Accelerate Secured
Wondering how to establish or rebuild your credit? Our Visa® Accelerate Secured Credit Card is the answer. Use your own money as collateral* as you work through this two-step program. You’re rewarded as you reach milestone credit scores while using your card responsibly.
- Easy cash advances at ATMs
- Automated card alerts
- Contactless cards available
Build your credit in two steps:
- Reach a credit score of 650 within a year, and you’ll get a lower rate.
- Reach a credit score of 680 within two years, and your secure funds will become available to you.
* The money you pledge as collateral will be held in a special savings account on deposit at Everwise.
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Visa® Signature Rewards
With this card you earn rewards for cash back, merchandise, travel, or gift cards.
Visa® Accelerate Secured
This card is best if you want to establish or rebuild your credit.
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Compare Credit Cards
Use this handy chart to compare credit card features and benefits side by side.
Eligibility subject to credit approval and membership requirements.
| Interest Rate and Interest Charges | Everwise® Visa Platinum | Everwise® Visa Signature Rewards | Everwise® Visa Acceleratei |
|---|---|---|---|
|
Introductory Rate |
0.00% introductory APRii for the first six months from the date the account is opened. After introductory period, your standard variable rates for purchases and balance transfers apply. | 0.00% introductory APRii for the first six months from the date the account is opened. After introductory period, your standard variable rates for purchases and balance transfers apply. | N/A |
|
Annual Percentage Rate (APR)iii for Purchases & Balance Transfers from another financial institutionvi |
12.00% to 22.00%iv | 16.00% to 20.00%v | 19.99% |
|
APRiii for Cash Advances |
15.00% to 25.00%iv | 16.50% to 20.50%v | 19.99% |
|
Penalty APR |
None | None | None |
|
Minimum Interest Charge |
$.50 | $.50 | $.50 |
|
Minimum Monthly Payment |
Greater of 2% of the new balance or $25 | Greater of 2% of the new balance or $25 | Greater of 2% of the new balance or $25 |
| How to Avoid Interest Payments | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, balance transfers or cash advances if you pay your entire balance by the due date each month. |
| Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: Learn more | Consumer Financial Protection Bureau (consumerfinance.gov) |
Fees
| Everwise® Visa Platinum | Everwise® Visa Signature Rewards | Everwise® Visa Acceleratei | |
|---|---|---|---|
|
Annual Fee |
None | None | None |
|
Balance Transfer Feevi |
Greater of $10 or 2% per transaction | Greater of $10 or 2% per transaction | Greater of $10 or 2% per transaction |
|
Cash Advance Fee |
None | None | None |
|
Return Payment Fee |
$25.00 | $25.00 | $25.00 |
|
Convenience Fee |
Up to $10.00 | Up to $10.00 | Up to $10.00 |
|
Late Payment Feevii |
IN = $25 MI = greater of $15 or 5% of minimum payment | IN = $25 MI = greater of $15 or 5% of minimum payment | IN = $25 MI = greater of $15 or 5% of minimum payment |
|
Expedited Delivery Fee |
Up to $26.00 | Up to $26.00 | Up to $26.00 |
|
Stop Payment Feeviii |
$18.00 | $18.00 | $18.00 |
| Membership | Must meet eligibility requirement, $7 membership fee and $5 primary share (savings account) minimum balance requirement. |
| Method of Computing the Balances | We use a method called average daily balance including new purchases. |
i Visa Accelerate is a fixed rate secured credit card. Pledged matching funds in a share account required.
ii All loans subject to approval based upon creditworthiness. Product restrictions including minimum loan amount and other conditions may apply.
iii APR = Annual Percentage Rate; The APR is variable and may change based on the value of an index plus a margin. The index is the Prime Rate published in the Wall Street Journal, on the first day of the month prior to the change dates. The change dates will occur monthly on the 1st day of the new cycle following a prime rate change.
iv For purchases and balance transfers the margin ranges from 4% to 14% and for cash advances the margin ranges from 6.50% to 16.50%.
v For purchases, balance transfers, and cash advances the margin ranges from 8% to 12.00%.
vi Balance Transfers from another Everwise Credit Union loan account, including the Everwise Home Equity Line of Credit, are not permitted on the Everwise Visa® Platinum, Signature Rewards, Accelerate or any other Everwise credit card.
vii Late Charge: IN: You will pay a $25.00 late charge; or the maximum allowed by law pursuant to Indiana Code 24-4.5-3-203.5 at the time we exercise our remedies under this contract if a payment is received more than 10 days after it is due. MI: Greater of $15.00 or 5% of the minimum payment if payment is received more than 10 days after it is due.
viii Applies to balance transfer and cash advance checks.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
† The purchase of goods or services from a merchant in connection with your use of Visa Concierge, including any reservation or booking completed by Visa at your request, are solely between you and the respective merchant and Visa is not a party to the purchase.