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Credit Cards

What do you want from your ideal credit card? The choice is yours.

Whether you're looking for rewards, the lowest rate or a starter credit card, you have options. Whichever card you choose, there's no annual fee, no application fee and plenty of perks and protection.

Visa® Platinum

Lock in our lowest rate—ideal for carrying or transferring balances.

0.00% introductory APR for the first six months from the date the account is opened. After six months, your variable APR will range from 11.25% to 21.25% based on your creditworthiness.*

  • No foreign country transaction fee
  • Roadside Dispatch®

Visa® Signature Rewards

Rack up the rewards by earning 1.5 points for every dollar spent, redeemable any time for cash back, merchandise, travel, or gift cards. 

0.00% introductory APR for the first six months from the date the account is opened. After six months, your variable APR will range from 15.25% to 19.25% based on your creditworthiness. *

Level up with these extra Signature Rewards features:

  • Visa® Concierge†
  • Visa® Luxury Hotel Collection
  • Travel emergency assistance
  • No foreign country transaction fee
  • Rental car insurance
  • Extended warranty protection
  • Roadside Dispatch®

Visa® Accelerate Secured

Wondering how to establish or rebuild your credit? Our Visa® Accelerate Secured Credit Card is the answer. Use your own money as collateral* to help establish or rebuild your credit.

* The money you pledge as collateral will be held in a special savings account on deposit at Everwise.

All cards come with perks and protection.

 Easy cash advances at ATMs       Automated card alerts       Contactless cards available

Shop with confidence

Visa®'s Zero Liability Policy protects you if your card is lost, stolen or used fraudulently.

Enhanced security

Verified by Visa® safeguards your identity and your online shopping experience.

Easy online checkout

Visa®Checkout lets you skip guest checkout and bypass form fields and passwords.

Compare Credit Cards

Use this handy chart to compare credit card features and benefits side by side. 

Get Started
 

Subject to credit approval. All credit union programs, rates, terms and conditions are subject to change without notice.

† 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.

 

Interest Rate and Interest Charges

Interest Rate and Interest Charges Everwise® Visa Platinum Everwise® Visa Signature Rewards Everwise® Visa Accelerate

Annual Percentage Rate (APR) for Purchases

 0.00% introductory APR for the first six months from the date the account is opened. After that, your APR will be 11.25% to 21.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 0.00% introductory APR for the first six months from the date the account is opened. After that your APR will be 15.25% to 19.25% based on your creditworthiness. This APR will vary with the market based on a Prime Rate. 19.99%

APR for Balance Transfers

 0.00% introductory APR for the first six months from the date the account is opened. After that, your APR will be 11.25% to 21.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 0.00% introductory APR for the first six months from the date the account is opened. After that your APR will be 15.25% to 21.25% based on your creditworthiness. This APR will vary with the market based on a Prime Rate. N/A

APR for Cash Advances

 13.75% to 23.75% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 15.25% to 21.25% based on your creditworthiness. This APR will vary with the market based on a Prime Rate. 19.99%

 

How to Avoid Interest Payments 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 each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: Consumer Financial Protection Bureau (consumerfinance.gov)

Fees

  Everwise® Visa Platinum Everwise® Visa Signature Rewards Everwise® Visa Acceleratei

Annual Fee

 None None None

Balance Transfer Fee 1

 Greater of $10 or 2% per transaction Greater of $10 or 2% per transaction n/a

Cash Advance Fee

 None None None

Foreign Transaction Fee

 None None None

Return Payment Fee

 Up to $25.00 Up to $25.00 Up to $25.00

Late Payment Fee

 Up to $25.00 Up to $25.00 Up to $25.00

Over-the-Credit Limit Fee

 None None None

Convenience Check Stop Payment Fee

 $18.00 $18.00 $18.00

 

Membership Must meet eligibility requirement, $7 membership fee and $5 primary share (savings account) minimum balance requirement.
Method of Computing the Balances We use a method called average daily balance including new purchases.

 

1 Balance Transfers from another Everwise Credit Union loan account, including the Everwise Home Equity Line of Credit, are not permitted on the Everwise Visa® Platinum, Signature Rewards, Accelerate or any other Everwise credit card.

Routing Number | 271291826