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Credit Cards

Choose the Visa Card That’s Right For You

Enjoy the world around you with a credit card that is clearly better. Don't let other cards fool you! With a VyStar Visa credit card there are no fees, no teaser rates and no fine print surprises. Other benefits include free electronic payment services and security monitoring, emergency assistance, and safer online shopping. We even offer secured credit cards for our members with special credit needs.


Visa Signature Rewards

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RATES
UChoose Rewards® :
Login to Internet Banking to view and redeem your points

 

Product Information

Visa Signature Rewards Plus:

variable rate credit card that earns rewards; 3 points for every $1 spent on gas, 2 points for groceries and1 point for other qualified purchases
  • Low variable interest rate
  • Low minimum monthly payment
  • No Annual Fee
  • No Fee Services: no cash advance, balance transfer, convenience check and transaction (includes foreign) fees
  • No rate increase on a cash advance or because payment is late; no inactivity fees
  • Interest-Free Grace Period on Purchases
  • Free Visa Alerts to monitor your card transactions
  • Visa Signature Concierge: Get help with restaurant reservations, gift arrangements, event tickets, business services, and more—available 24 hours a day, 365 days a year. *
  • Travel & Lifestyle: Receive complimentary discounts and upgrades at top hotels, resorts, and cruise lines. Get up close and personal at once-in-a-lifetime sporting events. *
  • Shopping: Enjoy discounts and special offers at premium retailers, from jewelry to apparel and electronics. *
  • Price Protection: If you find an ad offering a lower price on an item within sixty (60) days of your purchase, you’ll receive a refund for the price difference. *
  • Return Protection: If you’re dissatisfied within ninety (90) days of making a purchase and the retailer will not take it back, you’ll get reimbursed. *
  • Warranty Manager Service: Get double the manufacturer’s warranty coverage, plus convenient features like warranty registration and the option to purchase Extended Service Agreements with Visa Performance Guarantee. *
  • Travel and Emergency Services: Get help coordinating medical, legal, and travel services while you’re away from home. Travel Protection Package with $500,000 in Travel Accident Insurance and Visa Auto Rental Collision Damage Waiver benefit (Auto Rental CDW) *
  • Emergency Cash Disbursement and Card Replacement *
  • Roadside Dispatch: Get convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week. *
  • Auto Rental Collision Damage Waiver: Receive coverage, at no additional cost, for damage due to collision or theft. *
  • Added Security: New EMV Chip Technology for authenticating credit card transactions. *

Visa Signature Cash Back
 

Design Your Own Card
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RATES

 

Product Information

Visa Signature Cash Back:

variable rate credit card that gives cash back, credited to your card every October; 3% cash back on gas, 2% cash back on groceries and 1% cash back on all other purchases
  • Low variable interest rate
  • Low minimum monthly payment
  • No Annual Fee
  • No Fee Services: no cash advance, balance transfer, convenience check and transaction (includes foreign) fees
  • No rate increase on a cash advance or because payment is late; no inactivity fees
  • Interest-Free Grace Period on Purchases
  • Free Visa Alerts to monitor your card transactions
  • Visa Signature Concierge: Get help with restaurant reservations, gift arrangements, event tickets, business services, and more - available 24 hours a day, 365 days a year. *
  • Travel & Lifestyle: Receive complimentary discounts and upgrades at top hotels, resorts, and cruise lines. Get up close and personal at once-in-a-lifetime sporting events. *
  • Shopping: Enjoy discounts and special offers at premium retailers, from jewelry to apparel and electronics. *
  • Price Protection: If you find an ad offering a lower price on an item within sixty (60) days of your purchase, you’ll receive a refund for the price difference. *
  • Return Protection: If you’re dissatisfied within ninety (90) days of making a purchase and the retailer will not take it back, you’ll get reimbursed. *
  • Warranty Manager Service: Get double the manufacturer’s warranty coverage, plus convenient features like warranty registration and the option to purchase Extended Service Agreements with Visa Performance Guarantee. *
  • Travel and Emergency Services: Get help coordinating medical, legal, and travel services while you’re away from home. Travel Protection Package with $500,000 in Travel Accident Insurance and Visa Auto Rental Collision Damage Waiver benefit (Auto Rental CDW) *
  • Emergency Cash Disbursement and Card Replacement *
  • Roadside Dispatch: Get convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week. *
  • Auto Rental Collision Damage Waiver: Receive coverage, at no additional cost, for damage due to collision or theft. *
  • Added Security: New EMV Chip Technology for authenticating credit card transactions. *

Platinum Visa

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RATES

Product Information

Platinum Visa®:

no-frills variable rate credit card that simply offers our lowest credit card rate possible
  • The advantage of our lowest variable credit card interest rate
  • Powerful credit lines
  • Low minimum monthly payment
  • No Annual Fee
  • No Fee Services: no cash advance, balance transfer, convenience check and transaction (includes foreign) fees
  • No rate increase on a cash advance or because payment is late; no inactivity fees
  • Interest-Free Grace Period on Purchases
  • Free Visa Alerts to monitor your card transactions
  • Travel Protection Package with $500,000 in Travel Accident Insurance and Visa Auto Rental Collision Damage Waiver benefit (Auto Rental CDW) 
  • Emergency Cash Disbursement and Card Replacement
Click here to visit the Visa Signature website to view current offers.

Design Your Own Card
 
Follow the easy steps to personalize your card with an image of your choice. Here’s how:
Login to Internet Banking and under the Loans section, select your credit card account name for credit card account information and services. Then, select the " Services" tab and Design Your Own Card and follow the simple steps. There will be a small $10 charge to process your personal image and certain restrictions apply*. Watch the demo for more details.
 
Free Visa Alerts service to monitor your accounts on your own

Visa cardholders can set up Visa Alerts for their VyStar Visa credit cards. When a transaction meets the criteria you select a message will be sent to you via a text message. To get started: Login to Internet Banking, click on your credit card account name for your credit card account information and service. Then, under the "Communications" tab select Visa Transaction Alerts 


How to Apply

Business Platinum Rewards Visa
Home Equity Platinum Visa

Debt Consolidation           Payment Services         Credit Card Disclosure

*Please view the terms and conditions for details

 

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