Credit Cards
What do you want from your ideal credit card? The choice is yours.
Visa® Accelerate
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.
Visa®'s Zero Liability Policy protects you if your card is lost, stolen or used fraudulently.
Verified by Visa® safeguards your identity and your online shopping experience.
Visa® Checkout lets you skip guest checkout and bypass form fields and passwords.
How do I open a new account or apply for a loan/credit card?
How do I open a new account or apply for a loan/credit card?
You can open a new deposit account, apply for a credit card, or apply for a loan — including mortgages — right from the website.
You can also apply in online banking or the mobile app.
- From your home screen, click/tap Open Accounts & Loans within the Services section, located at the top of the page on desktop or the bottom of the page on mobile. You will be directed to an external link to complete the account opening, loan, or credit card application process.
- Click/tap Continue.
- Then, select Existing Member Account to open a deposit account (checking, savings, premium money market, or certificates) or select the type of loan or credit card.
- Follow the prompts provided.
You will also be able to check the status of an application by clicking/tapping the corresponding link.
How do I activate my debit or credit card?
How do I activate my debit or credit card?
To activate a debit or credit card, call (800) 631-3197 or call Member Services at (800) 552-4745.
How do I dispute a credit card transaction?
How do I dispute a credit card transaction?
Call our dispute hotline at (888) 918-7322.
Interest rates and interest charges: | |||
|---|---|---|---|
| Everwise Visa Platinum | Everwise Visa Signature Rewards | Everwise Visa Accelerate | |
| APR for Purchases | 0.00% introductory APR for the first six months from account opening. After that, your APR will be 10.75% to 20.75% 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 account opening. After that your APR will be 14.75% to 18.75% 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 account opening. After that, your APR will be 10.75% to 20.75% 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 account opening. After that your APR will be 14.75% to 20.75% based on your creditworthiness. This APR will vary with the market based on a Prime Rate. | N/A |
| APR for Cash Advances | 13.25% to 23.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. | 14.75% to 18.75% 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 | |
|---|---|
| Transaction Fees | |
| Balance Transfer Fee - Visa Platinum, Signature Rewards | $10.00 or 2.00% of the amount of each balance transfer, whichever is greater |
| Cash Advance Fee | None |
| Foreign Transaction Fee | None |
| Penalty Fees | |
| Late Payment Fee | Up to $25.00 |
| Over-the-Credit-Limit Fee | None |
| Returned Payment Fee | Up to $25.00 |
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR - Visa Platinum, Signature Rewards:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Everwise Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.
Effective Date:
The information about the costs of the card described in this application is accurate as of: 11/1/2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Balance Transfer Fee (Finance Charge) - Visa Platinum, Signature Rewards:
$10.00 or 2.00% of the amount of each balance transfer, whichever is greater.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Rush Fee:
$26.00 overnight.
Statement Copy Fee:
None.
Expedited Payment Fee:
$10.00.
Convenience Check Stop Payment Fee:
$18.00.
Detailed disclosures:
- Credit Card Application and Solicitation Disclosure
- Visa Credit Card Signature Rewards Agreement
- Visa Platinum Credit Card Agreement
- Visa Accelerate Credit Card Agreement
Disclosure pdfs for download:
- Credit Card Application and Solicitation Disclosure
- Visa Credit Card Signature Rewards Agreement
- Visa Platinum Credit Card Agreement
- Visa Accelerate Credit Card Agreement
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, or any other Everwise credit card.
† 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.
Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.