Credit cards that fit your life
Solarity Visa® puts the power of payment versatility in your hands. Whether you’re on a trip to Greece or a trip to the grocery store, enjoy quick, convenient access to your available credit limit, no annual fee, no cash advance fee and local servicing.*
Platinum Visa
Convenient, easy-to-use line of credit
Share Secured Visa
Ideal for establishing or rebuilding credit
Student Visa
For members ages 15-20
Reasons to love our credit cards
- No annual fee and no balance transfer fee
- No foreign transaction fee, which makes them perfect for travel
- No minimum interest charge
- No cash advance fee and the same rate as purchases
- Cash advances at more than 32,000 surcharge-free ATMs nationwide
- Visa Account Updater (VAU) to keep transactions seamless
- Visa Secure for peace of mind while shopping online
- Near real-time fraud notifications with Visa Purchase Alerts
Credit cards for every type of borrower
Whether you have a long credit history or are looking for a fresh start, we have credit cards to give you the spending flexibility you need.
Platinum Visa
Looking for a straightforward line of credit with a great low rate? Our easy-to-use Platinum Visa card gives you the power to make your next purchase, travel without worry or transfer existing balances from higher rate cards.
Share Secured Visa
If you’re establishing or rebuilding your credit—this is the card for you. To ensure a low rate, secured cards use a security deposit as cash collateral. With the same great features as the Platinum Visa, our Share Secured Visa can help you start improving your credit history.
Student Visa
This card is perfect for younger members who want to establish a positive credit history and learn good money habits. With the same rates and terms as our Platinum Visa, students ages 15–20 are eligible to apply (with an adult co-signer at least 21 years old).
Visa Secure and Visa Account Updater
Visa Secure
Visa Secure (formerly Verified by Visa) simply means you get access to an added layer of protection, keeping your money safer while you are shopping online. When making a purchase from a merchant participating in Visa
Secure, you may be guided through an extra step to confirm your identity. No need to do anything on your part other than follow the prompts. Visa Secure does the work to ensure it’s an authorized transaction.
Visa Account Updater
Visa Account Updater (VAU) automatically sends cardholder data to participant merchants when the card information is updated. It offers a seamless account update process without the need for direct action on
your part. For example, if your phone bill automatically charges to your credit card every month, without the VAU, you would need to update your card info yourself in the event of a new card. With VAU, Visa will send the updated card info to that
merchant for you.
If you do not wish to have your card information automatically sent to participant merchants in the event of a new card, you can opt out by calling 800.347.9222.
Please note: you must opt out before your old card has expired, or within 24 hours of ordering a new card when the old card is lost or stolen.
You might also like:
Home Loans
Whether you're buying, refinancing or just starting to shop for houses, we have loans for every type of home owner.
Explore home loans
RV Loans
Upgrade your next camping adventure! Financing for motor homes, travel trailers, fifth wheels and campers.
Let's go
Home Equity
Tap into the buying power of your home to pay for large expenses or consolidate debt.
Find out moreCommon questions about credit cards
Visa Purchase Alerts is an easy-to-use tool that helps members track spending and identify fraudulent activity early. Customize your alerts by choosing which debit or credit card transactions should trigger a notification and receive near real-time updates via text or email.
It only takes three steps to enroll in Visa Purchase Alerts:
1. Check to see if your Visa account is eligible.
2. Register your mobile device and/or email to receive Visa Purchase Alerts.
3. Choose the notification triggers that match your needs, such as transactions exceeding a set amount and online or international purchases being made.
Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card. There’s no need to download anything, install software, or register for an account. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud.
This service automatically works at checkout at participating merchants. There is no need to download anything, install software or register for your account to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you’re you and protect you from fraud.
There is no cost to you for this service! Solarity covers the cost on your behalf to ensure you have this added protection and peace of mind.
Visa® Credit Card Rates
| APR as low as* | Minimum payment (percent of balance) | Maximum limit |
|---|---|---|
| 11.80% | 3% | $50,000 |
Disclosures
*Annual Percentage Rate (APR) accurate as of date shown and subject to change. Rate is dependent on qualification and approval. Special terms and conditions may apply. Rate may be higher based on credit history and term. No annual fee or balance transfer fee. No cash advance fee. Interest on cash advance starts accruing immediately until the balance is paid in full. Late fees will be assessed if a payment is made after the due date.
Helpful articles and information
Protect yourself against romance scams
Love may be blind, but it shouldn’t leave you broke. According to Pew Research Center, three in 10 U.S. adults say they have used an online dating site or app. Unfortunately, the rise of online dating has also led to a rise in scammers who are after your wallet more than your heart.
Romance scams are a type of online fraud where swindlers create fake profiles on dating websites or social media platforms to deceive people emotionally and financially. These con artists build trust and form a romantic connection with their victims before exploiting that trust for financial gain.
Fraudsters typically target vulnerable individuals who may be lonely, isolated or seeking love and companionship. This includes older adults, recently divorced or widowed individuals or those who have experienced previous trauma.
Always remember: never send money to someone you haven’t met in person, and be cautious of online requests for financial assistance.
Recognize the warning signs
Being aware of familiar warning signs will help you protect yourself from romance scams, which can have devastating emotional and financial consequences. Here are some red flags to watch out for when speaking to a new “friend” online:
Too much, too soon. If someone you’ve just met professes their undying love for you almost immediately, it’s a major warning sign. Tricksters often use flattery and exaggerated affection to build trust quickly.
Inconsistencies in their story. Pay attention to any irregularities in their information. Scammers often forget details of their fabricated stories or provide conflicting information.
Requests for money. A common tactic is asking for money. Scammers may claim to have a financial emergency or a pressing need for funds, often with elaborate stories to convince you to send money.
It’s also essential to be aware of the manipulative techniques employed by romance scammers. These techniques include:
Love bombing. Grifters shower their targets with excessive affection and attention, making them feel special and desired. This tactic creates a sense of dependency and clouds judgment.
Guilt-tripping. Scammers may use guilt to manipulate you into doing what they want. They might make you feel responsible for their financial difficulties or claim their life will be ruined if you don’t help them.
Isolation. Fraudsters may try to cut you off from friends and family, convincing you they are the only person who truly cares about you. By cutting off your support system, they gain more control over you.
By being aware of these warning signs, you can protect yourself from falling victim to a romance scam. Trust your instincts and never send money or personal information to someone you’ve only met online.
Reporting and Recovering from Scams
Romance scams can be devastating, but taking immediate action is crucial to protect yourself and help authorities catch the tricksters. If you believe you have fallen victim to a romance scam, follow these steps to report it to the appropriate authorities:
1. If you sent money in any form to a swindler, contact your credit union or bank immediately and provide them with details of the suspected scam.
2. File a report with the Federal Trade Commission (FTC) at https://reportfraud.ftc.gov. The FTC collects information from victims to help identify patterns and trends in scams.
3. Report the scam to the FBI’s Internet Crime Complaint Center at https://www.ic3.gov. The IC3 is a partnership between the FBI and the National White Collar Crime Center, and they investigate cybercrimes.
Remember, reporting the scam and seeking support are essential steps towards recovering from a romance scam. By taking action, you not only protect yourself but also help prevent others from falling victim to these internet dating scams.