Compare Credit Cards

You like variety, right? You've come to the right place. Choose from Visa® credit cards with different perks for different personalities.

Maybe you're looking for the lowest rate. Maybe you want to get in on a fantastic rewards program. Maybe you need to start, or restart, your credit history. We have a card that can do that.

Find the card that fits your style

 

* APR = Annual Percentage Rate. Visa Platinum: 0.00% intro rate for first 6 mos from the date account is opened, then 12.50%, 14.50%, 16.50%, 18.50%, or 22.50% (based on your creditworthiness) for purchases and balance transfers applies. Visa Signature Rewards: 0.00% intro rate for first 6 mos from the date account is opened, then 16.50%, 18.50%, or 20.50% (based on your creditworthiness) for purchases and balance transfers applies.  19.99% APR fixed rate.
 
** The money you pledge as collateral will be held in a special savings account on deposit at Everwise.
 
† 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.

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Financial flexibility is at your fingertips with the right credit card. 

Everwise Visa® Credit Cards

 

Interest Rate and Interest Charges Everwise Visa Platinum Everwise Visa Signature Rewards Everwise Visa Acceleratei
Introductory Rate 0.00% introductory APRii for the first six months from the date the account is opened. After introductory period, your standard variable rates for purchases and balance transfers apply. 0.00% introductory APRii for the first six months from the date the account is opened. After introductory period, your standard variable rates for purchases and balance transfers apply. N/A
APRiii for Purchases & Balance Transfers

12.00% to 22.00%iv

 

16.00% to 20.00%v

19.99%

APRiii for Cash Advances

15.00% to 25.00%iv

16.50% to 20.50%v

19.99%

Penalty APR None None None
Minimum Interest Charge $.50 $.50 $.50
Minimum Monthly Payment Greater of 2% of the new balance or $25 Greater of 2% of the new balance or $25 Greater of 2% of the new balance or $25

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 interest on new purchases, balance transfers or cash advances if you pay your entire balance by the due date each month.

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: Learn more | Consumer Financial Protection Bureau (consumerfinance.gov)

Fees

Everwise Visa Platinum Everwise Visa Signature Rewards Everwise Visa Acceleratei
Annual FeeNoneNoneNone
Balance Transfer FeeviGreater of $10 or 2% per transactionGreater of $10 or 2% per transactionGreater of $10 or 2% per transaction
Cash Advance FeeNoneNoneNone
Return Payment Fee$25.00$25.00$25.00
Convenience FeeUp to $10.00Up to $10.00Up to $10.00
Late Payment FeeviiIN = $25 MI = greater of $15 or 5% of minimum paymentIN = $25 MI = greater of $15 or 5% of minimum paymentIN = $25 MI = greater of $15 or 5% of minimum payment
Expedited Delivery FeeUp to $26.00Up to $26.00Up to $26.00
Stop Payment Feeviii$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.

i Visa Accelerate is a fixed rate secured credit card. Pledged matching funds in a share account required.
ii All loans subject to approval based upon creditworthiness. Product restrictions including minimum loan amount and other conditions may apply.
iii APR = Annual Percentage Rate; The APR is variable and may change based on the value of an index plus a margin. The index is the Prime Rate published in the Wall Street Journal, on the first day of the month prior to the change dates. The change dates will occur monthly on the 1st day of the new cycle following a prime rate change.
iv For purchases and balance transfers the margin ranges from 4% to 14% and for cash advances the margin ranges from 6.50% to 16.50%.
v For purchases, balance transfers, and cash advances the margin ranges from 8% to 12.00%.
vi 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.
vii Late Charge: IN: You will pay a $25.00 late charge; or the maximum allowed by law pursuant to Indiana Code 24-4.5-3-203.5 at the time we exercise our remedies under this contract if a payment is received more than 10 days after it is due. MI: Greater of $15.00 or 5% of the minimum payment if payment is received more than 10 days after it is due.
viii Applies to balance transfer and cash advance checks.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
Routing Number | 271291826