Choose the Visa^®Credit Card That’s Right for You

Enjoy the world around you with a credit card that is clearly better. With a VyStar Visa^® credit card there are no transaction fees 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.

Card	Rates	Fees	Benefits
Visa Signature Rewards Apply Now	Low variable interest rate	No annual fee No cash advance, balance transfer, convenience check or transaction (including foreign) fees No inactivity fees	Earn 3 rewards points for every $1 spent on gas; 2 points for every $1 spent on groceries; 1 point for every $1 spent on other qualified purchases Interest-free grace period on purchases UChoose Rewards Visa Signature Concierge: Help with restaurant reservations, gift arrangements, event tickets, business services and more. Available 24 hours a day, 365 days a year* Set and remove your own travel notices
Visa Signature Cash Back Apply Now	Low variable interest rate	No annual fee No cash advance, balance transfer, convenience check or transaction (including foreign) fees No inactivity fees	Earn 3% cash back on gas, 2% on groceries, and 1% on all other purchases Interest-free grace period on purchases Cash Back Mall Visa Signature Concierge: Help with restaurant reservations, gift arrangements, event tickets, business services and more. Available 24 hours a day, 365 days a year* Set and remove your own travel notices
Platinum Visa Apply Now	Our lowest variable interest rate	No annual fee No cash advance, balance transfer, convenience check or transaction (including foreign) fees No inactivity fees	Low interest rate Set and remove your own travel notices
Savings Secured Visa Apply Now	Non-variable interest rate	No annual fee No cash advance, balance transfer, convenience check or transaction (including foreign) fees No inactivity fees	Great option for students/younger members looking to establish credit Helps members in need of rebuilding poor credit Spending limits from $375 to $5,000 Uses funds from your VyStar savings account as collateral Funds earn interest at the savings interest rate Interest-free grace period on purchases* Set and remove your own travel notices

Features & Protection included with all Visa credit cards:

EMV Chip Card Technology

EMV technology provides you with an extra layer of protection against fraud when you use it at chip-enabled payment terminals and ATMs.

More information about EMV Technology

e-Statements

Switching to online statements helps the environment (and us!) by reducing paper and fuel consumption, costly production and postage expenses each month.

Log into Internet or Mobile Banking.
Click on your credit card account name.
Click Statements & Activity.
Click Go Paperless.

Digital Wallet

A digital wallet is a digital version of your credit and debit card information that is stored on your phone and can be used to make payments at almost any retailer where you can swipe your physical card. Excludes Business Cards at this time.
More information about Digital Wallets

Visa Coupons

As a Visa cardholder, you have access to Visa discounts.

Visit the Visa Special Offers website.
Select an offer and click "Redeem Offer."
Make a purchase and use your Visa Credit Card during checkout.

Visa Alerts

Make it easy to monitor your credit card accounts by setting up Visa Alerts. When a transaction meets the criteria you define, you will receive a text message alert. To get started:

Login to Internet Banking, click on your credit card account name.
Then, under the Account Home tab, select Visa Purchase Alerts under Quick Links.

Travel Notices

Set your own travel notices directly through Internet & Mobile Banking, here's how to get started:

Log in to Internet or Mobile Banking.
Click on your credit card account.
Click the Communications tab.
Click “Travel Notes.”
Select the appropriate card and click “Next.”
Enter required authentication information.
Enter required trip information.

How to Apply for a VyStar Credit Card**

Apply by Phone

Picking up the phone to reach our Contact Center at 904-777-6000 or 800-445-6289, option 3, is not only convenient but allows you to discuss your credit card options with a professional, one-on-one. Our team of VyStar Representatives will listen, answer your questions and help you find the best options available to you. Approvals are quick and usually come the same day you contact us.

Apply Online

Internet Banking users may also apply for a credit card via Internet Banking.

*Please review the terms and conditions for details.
**All loans are subject to credit approval