Unwrap holiday extras.

Get more with your Everwise Visa.®

Shop confidently with Visa card perks.

Shop with certainty

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.

Low rates or rewards. Pick the credit card that's right for you.

Everwise Visa Platinum credit card image

Visa® Platinum

Lock in our lowest rate* with Visa® Platinum, the perfect card if you carry a balance each month or want to transfer a balance from a high-interest credit card.

  • Easy cash advances at ATMs
  • Automated card alerts
  • No foreign country transaction fee
  • Roadside Dispatch®
Everwise Visa Signature Rewards credit card image

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.

  • Earn points to redeem for rewards
  • Easy cash advances at ATMs
  • Automated card alerts
  • No foreign country transaction fee
  • Roadside Dispatch®
  • Visa® Concierge†
  • Visa® Luxury Hotel Collection
  • Travel emergency assistance
  • Rental car
  • Extended warranty protection
Everwise Visa platinum Rewards credit card image

Visa® Signature Rewards

Earn 1.5 rewards points for every dollar spent at a low monthly rate. Redeem your reward points any time for cash back, merchandise, travel, or gift cards.

  • Earn points to redeem for rewards
  • Easy cash advances at ATMs
  • Automated card alerts
  • No foreign country transaction fee
  • Roadside Dispatch®

Check out all these great benefits with Visa.

Don't forget to add your card to your mobile wallet for faster, easier and more secure shopping.

Terms and Conditions

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

Annual Percentage Rate (APR) for Purchases & Balance Transfers from another financial institution1

 0.00% introductory APR for the first six months from the date the account is opened. After that, your APR will be 11.50% to 21.50% 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 15.50% to 19.50% based on your creditworthiness. This APR will vary with the market based on a Prime Rate. 0.00% introductory APR for the first six months from the date the account is opened. After that, your APR will be 11.50% to 21.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

 14.00% to 24.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 15.75% to 19.75% based on your creditworthiness. This APR will vary with the market based on a Prime Rate. 14.00% to 24.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR

 None None None

Minimum Interest Charge

 If you are charged interest, the charge will be no less than $0.50. If you are charged interest, the charge will be no less than $0.50. $.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 Signature Rewards

Annual Fee

 None None None

Balance Transfer Fee 1

 Greater of $10 or 2% per transaction Greater of $10 or 2% per transaction Greater of $10 or 2% per transaction

Cash Advance Fee

 None None None

Return Payment Fee

 $25.00 $25.00 $25.00

Convenience Fee

 Up to $10.00 Up to $10.00 Up to $10.00

Late Payment Fee

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

Expedited Delivery Fee

 Up to $26.00 Up to $26.00 Up to $26.00

Stop Payment Fee 2

 $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.

 

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

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.

2 Applies to balance transfer and cash advance checks.

† 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.

*Tiered rebate offer on all mobile wallet transactions made during the promo period ($25 max earnings per cardholder). During the promotional period (August 15 through October 15, 2024), spend $350 - $499.99, receive a $10 statement credit. Spend $500 - $749.99, receive a $15 statement credit. Spend $750 or more, receive a $25 statement credit. Please allow up to 30 days following the last day of your billing cycle for the credit to be applied.

Routing Number | 271291826