Visa® Credit Cards

Make purchases whenever — and wherever — you need to.

Gone are the days of passing up purchases because your paycheck hasn’t posted to your checking account yet. A Visa® credit card from Valley Credit Union lets you buy what you need to, whenever you need to. We offer three different types of cards, each with their own benefits and competitive rates. Choose your card and start shopping today!

  • Competitively low rates
  • Low to no annual fee
  • Make purchases virtually anytime, anywhere
  • Establish or re-establish credit history
  • Easily replaced if lost or stolen
Which Card Is Right For You?

Platinum Visa® 

Balance transfers 1.99% APR1 for 6 months!

Rates as low as 9.74% APR1 after 6 months!

If you want a credit card with a great interest rate and no frills, this is the card for you. It offers competitively low rates, no annual fee and the convenience that Visa offers, to use anywhere, anytime, for qualified members. 

Visa Disclosures

Platinum REWARDS Visa® 

Balance transfers 1.99% APR1 for 6 months!

Rates as low as 11.74% APR1 after 6 months!

REWARD yourself with Valley's Platinum REWARDS Visa®. You earn 1% cash back reward points on every purchase. No minimum purchase amount to qualify, no maximum purchase amount can be earned in a year. You can cash in your REWARDS whenever you want2

  • 1% Cash back on all purchases
  • NO balance transfer fees on Valley Visa®
  • Eliminate your high interest credit card debt
  • Much lower rate than most rewards credit cards

Visa Disclosure

Platinum Share Secured Visa®3 

No credit history or some past credit challenges? No problem with Valley's Secured card, you can go a long way in building your credit. Works like any other card and can be used wherever Visa® credit cards are accepted.


1APR=Annual Percentage Rate. 1.99% introductory APR is based on credit scores over 700. 1.99% balance transfer is a promotional rate offer and is available for balances transferred from another financial institution to a Valley Credit Union VISA® for a limited time and applies to 6 statement cycles. Rate will return to normal rate as low as 9.74% APR for Platinum Visa® and 11.74% APR for Platinum Rewards Visa®. This APR will vary with the market based on the Prime Rate. Account must be in good standing to qualify for this offer. Share Secured Credit Cards not eligible. Other VISA® rates and terms available.

2The minimum amount of REWARDS points that can be requested for redemption is 2500=$25. Cash advances and balance transfers do not qualify for REWARD points. 

3Secured Card requires a deposit to your Share Savings account equivalent to the amount approved.

Debt Protection

Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Debt Protection can help relieve financial pressure in the event of death, disability or involuntary unemployment.

With Debt Protection, your loan balance or monthly loan payments will be canceled without penalty or added interest in accordance with your plan choice. You benefit from the peace of mind knowing you and your credit rating are protected.

Your choice on this product does not affect our credit decision.

Go ahead and start the process!