With so many credit cards out there, it can feel like there’s never enough time to study up and find the right one for your needs. Don’t worry, though—at Everwise Credit Union, we’ve got you covered with cards that fit your everyday life and financial goals perfectly.
So, why should you check out an Everwise credit card? Here’s a quick guide:
- No annual fees: Keep more money in your pocket!
- No application fees: Start enjoying benefits without any upfront costs.
- Lots of perks and protection: Shop with confidence knowing that you are protected.
Read on as we demystify the Everwise Visa® Platinum and Visa® Signature Rewards cards.
Visa® Platinum Card
If you typically carry a balance month-to-month or want to transfer a balance from a high-interest credit card, the Visa® Platinum card may be the perfect choice for you. This card offers our lowest rates and makes it easier to manage your finances without high-interest charges piling up.
Key features
- 0.00% introductory APR1 for the first six months from the date the account is opened. Enjoy interest-free purchases and balance transfers during the introductory period.
- Rates ranging from 11.50% to 21.50% APR1 after the introductory period, based on creditworthiness. This helps you save on interest charges.
- Easily access your money with cash advances from ATMs, wherever you are.
- No foreign country transaction fees2 make international travel easier by eliminating extra costs.
- Roadside Dispatch® allows you to travel with peace of mind knowing you have roadside assistance, no matter where you’re headed.
Visa® Signature Rewards Card
If getting rewarded is more of your thing, the Visa® Signature Rewards card could be a perfect match. Earn points on every purchase and redeem them for cash back, travel, merchandise, or gift cards.
Key Features
- 0.00% introductory APR1 for the first six months from the date the account is opened, after that 16.50% to 20.50% based on creditworthiness. Enjoy interest-free purchases and balance transfers during the introductory period.
- Take advantage of competitive rates for ongoing purchases.
- 1.5 points for every dollar spent means you’ll rack up rewards quickly and are able to redeem them anytime.
- No foreign country transaction fees2 make international travel easier by eliminating extra costs.
- Visa® Concierge3 Service gives you personalized assistance with travel plans, dining reservations, and more.
- Enjoy exclusive benefits at luxury hotels worldwide with Visa® Luxury Hotel Collection.
- Travel confidently with emergency assistance and rental car coverage that keeps you protected.
- Extended warranty protection keeps your purchases covered even after the manufacturer’s warranty expires.
With the right card in your wallet, you can manage your finances with confidence and ease. Each Everwise card offers unique benefits and features to meet your specific needs. Compare them in more detail here to see which one aligns best with your financial goals.
If you have any questions regarding the credit cards that Everwise offers, our team is here to help. Visit our credit cards page or contact us today to learn more about how we can support your financial journey.
| Features | Everwise Visa® Platinum Card | Competitor’s Platinum Credit Card - Capital One’s Platinum Card 4 | Everwise Visa® Signature Rewards Card | Competitor’s Rewards Credit Card - Chase Sapphire Preferred® Card 5 |
|---|---|---|---|---|
| Introductory APR1 | 0.00% intro rate for first 6 months from the date account is opened | Not offered | 0.00% intro rate for first 6 months from the date account is opened | Not offered |
| APR1 after Introductory Time | 11.50% - 21.50% (based on your creditworthiness) for purchases and balance transfers applies. | High regular APR of 29.74% | 15.50% - 19.50% (based on your creditworthiness) for purchases and balance transfers applies. | Higher Regular APR of 19.99% - 28.24% (V) |
| Rewards | None | None | Earn 1.5 Rewards Points redeemable for cash back, merchandise, travel, or gift cards. | 1 point per $1 base earn rate |
| Annual Fee | $0 | $0 | $0 | $95 annually |
Disclosure
All information presented on this page is for educational purposes only and doesn’t constitute tax, legal, or accounting advice. It is to be considered as general information, not recommendations. Please consult with an attorney or tax professional for guidance.
Subject to membership eligibility requirements and credit approval. All credit union programs, rates, terms and conditions are subject to change without notice.
1 APR = Annual Percentage Rate. Rates accurate as of 5/22/2025. 0.00% Intro APR on purchases and balance transfers from the date the account is opened on the Platinum and Signature cards. After that your variable APR for purchases and balance transfers range from 11.50% to 21.50% based on your creditworthiness and the approved card. APR varies with the market.
2 Exchange rates may apply.
3 The purchase of goods or services from a merchant in connection with your use of Visa Concierge, including any reservation or booking completed by Visa at your request, are solely between you and the respective merchant and Visa is not a party to the purchase.
4 Comparison data from https://www.capitalone.com/credit-cards/platinum/ accurate as of 5/19/2025.
5 Comparison data from https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61248.html accurate as of 5/19/2025.
Subject to membership eligibility requirements and credit approval. All credit union programs, rates, terms and conditions are subject to change without notice.
1 APR = Annual Percentage Rate. Rates accurate as of 5/22/2025. 0.00% Intro APR on purchases and balance transfers from the date the account is opened on the Platinum and Signature cards. After that your variable APR for purchases and balance transfers range from 11.50% to 21.50% based on your creditworthiness and the approved card. APR varies with the market.
2 Exchange rates may apply.
3 The purchase of goods or services from a merchant in connection with your use of Visa Concierge, including any reservation or booking completed by Visa at your request, are solely between you and the respective merchant and Visa is not a party to the purchase.
4 Comparison data from https://www.capitalone.com/credit-cards/platinum/ accurate as of 5/19/2025.
5 Comparison data from https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61248.html accurate as of 5/19/2025.