Our Visa Credit Cards Have Low Rates and Annual Fees

All cards include:
  • Simple and free payment options.
  • Purchase security.
  • Extended Warranty Protection.
  • $400,000 Travel Accident Insurance.
  • Credit Life & Disability Insurance.
  • Auto Rental Insurance.
  • Roadside Assistance.
  • 25-Day grace period on purchases.
  • No annual fee**.
  • ...And more!
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Click here to learn more about the Credit Card Balance Transfer Calculator.

A Card For Every Need

  • Low Rate Visa

    Low Rate Visa

    This card is perfect to consolidate debt, save on interest, or for your everyday spending.
    • As low as 13.15% variable APR*
    • No annual fees.**
    • Contactless card.
    • Visa benefits such as purchase security, extended warranty protection, and auto rental insurance.
    Apply Now
  • Visa Rewards

    Visa Rewards

    Our Visa Rewards card allows you to earn 1 point per $1 spent with Better Together Rewards®. Redeem points for cash back, travel, merchandise, and more.

    Get more from every purchase—Better Together Rewards® makes it easy.
    • As low as 15.15% variable APR*
    • No annual fees.**
    • Contactless card.
    • 1 point for every $1 spent, with points redeemable for gift cards, cash back, travel, and more.*** Demo
    • Earn 5,000 bonus points when you spend $3,000 within the first 90 days of opening the account.†
    • Visa benefits such as purchase security, extended warranty protection, and auto rental insurance.
    Apply Now
  • Cash Back Visa

    Cash Back Visa

    Get 1.5% cash back on all your purchases and enjoy bonus perks too. Spend a little, earn a lot! 
    • As low as 15.15% variable APR*
    • No annual fees.**
    • Contactless card.
    • 1.5% cash back on all your everyday, qualified purchases.*** Visit the Site
    • Earn a $100 bonus when you spend $1,000 or more in the first 90 days.†
    • 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.
    Apply Now
Rates and Terms

Related

Disclosures

* APR = Annual Percentage Rate. APR is accurate as of 8/7/2026 and based on creditworthiness and product type.

All loans subject to approval.

**Fees

Introductory Balance Transfer Fee: A balance transfer fee of either $10 or 5% of the amount of each qualifying introductory balance transfer, whichever is greater, will be added to each qualifying introductory balance transfer. Qualifying introductory balance transfers must be from a non-Kitsap Credit Union credit card, completed within sixty (60) days of account opening, and conducted by a Kitsap Credit Union employee. The total amount of your balance transfer request(s), including fees, must not exceed your available credit limit.

Introductory Offer: 0% introductory APR applies to purchases for six (6) billing cycles from the date of account opening. 0% introductory APR also applies for six (6) billing cycles from the date of account opening to qualifying balance transfer from non-Kitsap Credit Union credit cards that are completed within sixty (60) days of account opening and conducted by a Kitsap Credit Union employee. Self-service balance transfers, including those completed through digital banking, do not qualify for the introductory APR. After the introductory period ends, the applicable standard variable APR for your credit card product will apply to remaining purchase and qualifying balance transfer balances. This introductory offer is available for new consumer credit cards only.

Cash Advance Fee: A fee of 5% of  each cash advance transaction will apply. The total amount of your cash advance request(s), including fees, must not exceed your available credit limit. Interest on cash advances being accruing immediately from the date of the transaction. Balance transfer requests completed after the sixty (60) day introductory period, or balance transfer requests that otherwise do not qualify for the introductory APR, will be treated as cash advances and subject to the applicable Cash Advance APR and cash advance fee.

Foreign transaction fees: 2% of each foreign currency transaction in U.S. dollars; 1.80% of each U.S. dollar transaction made in a foreign country or by merchant located in foreign country, even if initiated with the U.S.

Visa Rewards and Visa Cash Back 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.

† Visa Rewards and Visa Cash Back Bonus

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. Offer subject to change.

Offer valid for cardholders issued new Visa 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. Offer subject to change.