MyRewards VISA

Visa® Credit Cards

 


Log in to UChoose Rewards  and see the possibilities!

U Choose

 

Features a rate as low as 9.9% APR*

Every time you use your VISA MyRewards card, your purchases turn into cash, airline tickets, hotel discounts and brand-name gifts - that's because you earn one point for every dollar spent on retail purchases.

  • Earn valuable points with every purchase for cash, worldwide travel and gift certificates at hundreds of stores
  • Earn bonus points throughout the year
  • Simple online redemption of points through our UChoose* Rewards partner

For more information please click here.

Here are just a few examples of what your UChoose Rewards points can earn you, in addition to cash back:

Travel Rewards Gift Cards Merchandise Rewards
Round trip airfare tickets to anywhere in the 48 contiguous United States Starbucks® Bose Quiet Comfort 15® Headphones
  Shell  
Hotel nights at major cities available at the Sheraton, Ritz Carlton®, Fairmont®, and the Marriott® Best Buy Sony® CD/AM/FM Stereo Clock Radio with iPhone and iPod dock
  Pottery Barn  
Avis Car Rentals Macy's KitchenAid® stand mixer
Event Tickets for theater, sports and concerts Regal Entertainment Fitbit® - Flex Wireless Activity & Sleep Tracker Wristband

uChoose rewards image

The catalogue of items available to shop from changes frequently.  Items listed above are for example purposes only and may not be available at the time of redemption.  All items in the catalogue are subject to change.

Share Secured VISA

Get all the perks of a Visa Credit Card with a Share Secured Visa, secured by your savings account. The Share Secured Visa is a great way to build or rebuild credit.

 

Interest Rates and Interest Charges
  Loyalty Rewards Visa MyRewards Visa Share Secured Visa
Annual Percentage Rate
(APR) for Purchases
8.90% to 18.00%
based on your credit worthiness
9.90% to 18.00%
based on your credit worthiness
13.99% to 17.99%
based on your credit worthiness
APR for Balance Transfers 8.90% to 18.00%
based on your credit worthiness
9.90% to 18.00%
based on your credit worthiness
13.99% to 17.99%
based on your credit worthiness
APR for Cash Advances 8.90% to 18.00%
based on your credit worthiness
9.90% to 18.00%
based on your credit worthiness
13.99% to 17.99%
based on your credit worthiness
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date of each month.  We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protections Bureau at: http://www.consumerfinance.gov/learnmore .
Fees
Annual Fee
None

Transaction Fees

  -  Balance Transfer
  -  Cash Advance
  -  Foreign Transaction

    

None
None
Up to 1% of the transaction amount

Penalty Fees


  -  Late Payment
 

  -  Over-the-Credit Limit
 

 

  -  Returned Payment


5% (minimum late fee is $20.00, maximum late fee is $30.00) of the scheduled payment if not paid within 5 days of the payment due date


$20.00 each month your balance exceeds your credit limit by $200.00 or 10% whichever is less

 

$25.00

A full VISA disclosure will be sent to you upon approval.
* APR-Annual Percentage Rate
** We will give you the best possible rate based upon your qualifications.