Credit Cards

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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 11.75% APR after that
Easy cash advances at ATMs
Automated card alerts
Contactless cards available
No foreign country transaction fee
Roadside Dispatch®

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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 15.75% 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

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See how much you could save by moving debt from a high-interest credit card to a new card with a zero intro rate.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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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Eligibility subject to credit approval and membership requirements.

Interest Rate and Interest Charges	Everwise® Visa Platinum	Everwise® Visa Signature Rewards	Everwise® Visa Accelerate^_i
Introductory Rate	0.00% introductory APRⁱⁱ for the first six months from the date the account is opened. After that, your APR will be 11.75% to 21.75%^b based on your creditworthiness. This APR will vary with the market based on the Prime Rate.^a	0.00% introductory APRⁱⁱ for the first six months from the date the account is opened. After that your APR will be 15.75% to 19.75%^b based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a	N/A
Annual Percentage Rate (APR)ⁱⁱⁱ for Purchases & Balance Transfers from another financial institution^vi	0.00% introductory APRⁱⁱ for the first six months from the date the account is opened. After that, your APR will be11.75% to 21.75%^b based on your creditworthiness. This APR will vary with the market based on the Prime Rate.^a	0.00% introductory APRⁱⁱ for the first six months from the date the account is opened. After that your APR will be 15.75% to 19.75%^b based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a	19.99%
APRⁱⁱⁱ for Cash Advances	14.25% to 24.25%^iv based on your creditworthiness. This APR will vary with the market based on the Prime Rate. ^a	15.75% to 19.75%^v based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a	19.99%
Penalty APR	None	None	None
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.50.	If you are charged interest, the charge will be no less than $0.50.	$.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 Accelerate^_i
Annual Fee	None	None	None
Balance Transfer Fee^vi	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 Fee^vii	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 Fee^viii	$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.

What do you want from your ideal credit card? The choice is yours.

Visa® Platinum

Visa® Signature Rewards

Credit Card Balance Transfer Calculator

Visa® Accelerate Secured

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