Skip to content
Credit Cards
Valley has three Visa® credit card options to choose from, so you’re sure to find one that features the Rewards that are right for you. Earn points with every purchase with our Platinum REWARDS Visa®, get a great rate with our Platinum Visa®, or build your credit with our Platinum Share Secured Visa®. Read on for more details and pick the card that’s right for you!

Attention Valley Credit Union Visa® credit card holders:

If you would like to transfer the balance from your high interest credit card over to your Valley credit card do the following:

  • Call 877-223-4006
  • Have your payoff information ready
    • Credit Card Account Number
    • Payoff Address
    • Payoff Amount


Platinum REWARDS Visa® 

Balance transfers as low as 1.99% APR1 for 6 months!

Rates as low as 9.99% APR1 after 6 months!

REWARD yourself with Valley's Platinum REWARDS Visa®. You earn 1 point per $1 spent on every purchase with uChoose Rewards®. 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

  • No Annual Fee
  • Earn 1 point per $1 spent
  • uChoose Rewards® (FAQs)
  • Eliminate your high interest credit card debt
  • Much lower rate than most rewards credit cards
  • Points expire after 5 years

Visa Disclosure

What is uChoose Rewards®?


Click here or go to to register your Platinum Rewards Visa® Credit Card. Once you are registered browse the website to see all the participating merchants and possible rewards. 


With uChoose Rewards® you can shop like you normally would and watch the rewards add up. Plus, shop with participating uChoose Rewards retailers and earn even more points!

Earn Points

Simply use your Valley Credit Union Visa® Credit Card anywhere and Earn points on purchases. But that's not all - earn even MORE points when you use your Valley Visa® Credit Card at the participating retailers listed on the website. It's that easy!

Enjoy Your Rewards

Watch your rewards add up! Then, redeem them for exciting options like the latest electronics, trendy clothing, airline tickets - and more!

It can take up to 60 days for your points to be credited to your account, and you must accumulate 1,500 points (earn 1 point per $1 spent) before you can redeem your points. 

Platinum Visa® 

Balance transfers as low as 1.99% APR1 for 6 months!

Rates as low as 7.99% 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, and the convenience that Visa® offers, to use anywhere, anytime, for qualified members. 

  • No Annual Fee
  • Establish or re-establish credit history
  • Easily replaced if lost or stolen

Visa Disclosures

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.

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 made for you without penalty 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.

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 7.99% APR for Platinum Visa® and 9.99% 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. Rates effective May 1st, 2020.

2The minimum amount of REWARDS points that can be requested for redemption is 1500=$15. 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.

Go ahead and start the process!