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.
Visa Signature Rewards
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
Visa Signature Concierge: Help with restaurant reservations, gift arrangements, event tickets, business services and more. Available 24 hours a day, 365 days a year*
Visa Signature Cash Back
Earn 3% cash back on gas, 2% on groceries, and 1% on all other purchases
Cash Back Mall
Interest-free grace period on purchases*
Savings Secured Visa
Visit the Visa Signature website to view current Visa Signature offers.
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
Switching to online statements helps the environment (and us!) by reducing paper and fuel consumption, costly production and postage expenses each month.
As a Visa cardholder, you have access to Visa discounts.
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:
Apply by Phone
Picking up the phone to reach our Call Center at (904) 777-6000 or 1 (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.
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
Visa Signature Concierge: 1 (800) 953-7392 for restaurant reservations, gift arrangements, event tickets, business services
Visa Signature 24-Hour Customer Service: 1 (866) 820-3846 for general questions
Visa Signature Terms and Conditions
Guide to Benefits OR 1 (800) 397-9010
Change your credit card PIN number: 1 (888) 886-0083
There are a couple of things you need to consider before switching to a balance transfer credit card. When considering your credit card options, carefully compare their rates and fees to ensure the card you select makes sense financially.