Credit Cards

Compare Our Visa Credit Cards


All cards include:

  • Introductory 0% APR on all purchases and balance transfers for 12 months!
    • After the 12 months, the standard variable rate will be % to % APR 1
Graphic image of KCU credit card.

Cash Back 2

For fans of simple cash-back systems and bonus perks

As Low As %1

Variable APR (Effective: )

Graphic image of KCU credit card.

Visa

For those that like their Visa cards simple


As Low As % 1

Variable APR (Effective: )

  • No Annual Fee or Cash Advance Fee
Graphic image of KCU credit card.

Visa Rewards 2

For reward maximizers

As Low As % 1

Variable APR (Effective: )

  • No Annual Fee or Cash Advance Fee
  • Point Rewards
  • 1 Point per $1 spent 2




Card Details


Visa Credit Card offers:

  • Our lowest credit card APR, with an introductory 0% APR1 for the first year.
  • Visa benefits such as purchase security, extended warranty protection, and auto rental insurance.

Visa Rewards Credit Card offers:

  • 1 point for every $1 spent, with points redeemable for gift cards, cash back, travel, and more. 2
  • Earn 5,000 bonus points when you spend $3,000 within the first 90 days of opening the account. 3
  • A competitive APR, with an introductory 0% APR1 for the first year.
  • No fees for cash advances or being a cardholder.
  • Visa benefits such as purchase security, extended warranty protection, and auto rental insurance.

Better Together Rewards



Start getting rewarded for your everyday purchases. From groceries to clothes, and virtually everything else, you can earn one point per dollar spent and watch the points add up. And when you enroll, you'll get 5,500 points to help you start strong!

Here's how it works:

  • Earn 5,000 bonus points when you spend $3,000 within the first 90 days of opening the account. 3
  • Visit the Better Together Rewards site and sign in within 90 days of opening the account and you'll earn 500 extra points.

This special Visa Signature Card offers:

  • 1.5% cash back on all your everyday, qualified purchases. 2
  • Earn a $100 bonus when you spend $1,000 or more in the first 90 days. 4
  • A competitive APR, with an introductory 0% APR1 for the first year.
  • No fees for cash advances or being a cardholder.
  • Visa benefits such as purchase security, extended warranty protection, and auto rental insurance.
  • Visa Signature benefits, such as Visa Signature Concierge, and Visa Signature Perks.

Cash Back


Get more cash in your wallet. Use the Cash Back website with your smartphone or computer to manage your cash back account wherever you are. Check your balance and start redeeming your cash today!

Visa Signature Concierge


Ever wanted your own personal concierge to make life easier? You can get just that with the Visa Signature Concierge service. As a Visa Cash Back Credit Card holder, you get 24/7 access to the service, which can help with the following requests:

  • Travel Coordination: Have your air travel, lodging, and transportation arranged for you, whether you're travelling in the U.S. or abroad.
  • Dining, Entertainment, and Recreation: Get tickets and reservations for the hottest restaurants and events, without sweating the details yourself.
  • Personal Services: Never forget a birthday or anniversary again! Visa Concierge can provide reminders and find the perfect gift or flower arrangement for someone who's important to you.

To access the Visa Concierge Service:


Visa Signature Perks


Live life to the fullest with exclusive perks that go beyond cash back. Visa Cash Back Credit Card holders can enjoy access to dozens of lifestyle benefits including:

  • Travel Perks: Get access to special travel packages and special upgrades at leading hotels, resorts, and cruises worldwide.
  • Fine Wine and Food Perks: Enjoy world-class celebrity chef and winemaker experiences and special offers. Plus, complimentary wine tastings and discounts at more than 60 wineries in Sonoma County.
  • Golf Perks: Save on golf at almost 100 golf courses across the world with complimentary Silver status in the Troon Rewards ® program.

Visa Business Credit Card


Is your business in need of a credit card? Look no further than our Visa Business Rewards Credit Card, with many of the same great features as our personal cards.

Reporting a Lost or Stolen Card

It always seems to happen at the worst possible time: you lose your card or it ends up in the hands of someone you don't know. We get it. It happens sometimes. So why should reporting and replacing it be hard? Luckily, we make card management easy. Give us a call or log into online banking and use card management to quickly turn your cards on or off. Call us at 800-422-5852 or visit online banking.


Disclosure

1 APR = Annual Percentage Rate. Rates range from % to %, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. The information, APR and introductory offer is accurate as of and is subject to change. Maximum total transfer amount is limited to your approved credit line. Introductory offer applies to new accounts only and excludes Business Rewards Visa.



2 Visa Cash Back and Visa Rewards Program: Points/dollars are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars. Refer to the Important Visa Credit Card Disclosure for the terms and conditions, fees, charges, and other information regarding your credit card account.

3 Offer valid for cardholders issued new Visa Rewards credit card account. To be eligible for the 5,000 bonus points, you must make $3,000 or more in net purchases within 90 days of account opening. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars. Offer expires December 31, 2022.

4 Offer valid for cardholders issued new Visa Signature Cash Back credit card account. To be eligible for the $100 bonus dollars, you must make $1,000 or more in net purchases within 90 days of account opening. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars. Offer expires December 31, 2022.