Credit Cards
Credit Cards
No Matter Where You Are in Life, We Have a Credit Card For You.
Whether you want the perks of our Platinum Card, a Secured Card to build your credit history, or something in between, we've got you covered. You don't have to deal with a big bank.
The best credit cards in the valley are right here.
Special Promotion
Credit Card balances transferred from another financial institution to an RVCCU Visa® will receive a great, low rate of 5.49% APR*.
Platinum Card
You've worked hard to establish good credit and you deserve a card that reflects it.
You'll always get:
Our lowest APR
Generous credit limits
Same APR for purchases and cash advances
Limited fees**
25 day grace period to avoid finance charges
$500,000.00 Travel Accident Insurance
Warranty Manager
Auto Rental Insurance
Emergency Monetary Services
Travel planning assistance
Many more great travel benefits and discounts
Optional Credit Life Insurance
Classic Card
You won't regret putting this card in your wallet.
You'll get:
A low APR
Low fees**
Same APR for purchases and cash advances
25 day grace period to avoid finance charges
$250,000.00 Travel Accident Insurance
Optional Credit Life Insurance
Secured Card
You can build up your credit history.
This card provides the same great benefits and low APR as our VISA® Classic Credit Card. The available credit balance on the card is entirely secured by money in your RVCCU Savings Account.
Who this card is for:
A young person who needs to establish their credit history
Parents who want to teach older children to use credit responsibly without giving up their peace of mind
An adult who needs to rebuild their credit history because of divorce, medical debt, credit mistakes, or other reasons
Still Not Sure? Try Our Credit Card Comparison Table
| Information | Platinum | Classic | Secured |
|---|---|---|---|
| Annual Percentage Rate | 9.99% APR | 13.50% or 16.50% APR | 13.50% or 16.50% APR |
| Rate Type | Non-variable | Non-variable | Non-variable |
| Rate After Introductory Period | Same | Same | Same |
| Rate After a Late Payment | Same | Same | Same |
| Credit Limit | $5,000.00 to $20,000.00 |
$1,000.00 to $7,000.00 |
$500.00 to $7,000.00 |
| Annual Fee | $0.00 | $0.00 | $0.00 |
| Balance Transfer Fee | $0.00 | $0.00 | $0.00 |
| Over-limit Fee | $0.00 | $0.00 | $0.00 |
| Late Payment Fee | $0.00 | up to $25.00 | up to $25.00 |
| Travel Accident Insurance | $500,000.00 | $250,000.00 | $250,000.00 |
| Credit Life and/or Disability Insurance | Optional | Optional | Optional |
Additional Information
All credit cards are subject to credit approval. Please contact one of our Financial Service Representatives for more details.
Credit card holders can view their balance, credit limit, and make payments by account transfer using eValley. For more detailed online account access, VISA® EZCardInfo is available. After signing up, you can view your balance and transactions, see statements, make payments, sign up for alerts, and more. You can have your payments automatically deducted from your RVCCU Checking or Savings Account by stopping by a branch or printing and returning the VISA® Auto Pay Application to us.
Sign up for Verified by VISA® for more protection when you shop online.
*APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. 5.49% INTRODUCTORY APR FOR A PERIOD OF 24 BALANCE CYCLES. AFTER THAT, YOUR APR WILL BE 9.99% FOR VISA PLATINUM OR 13.50% TO 16.50% FOR VISA CLASSIC OR VISA SECURED BASED ON YOUR CREDITWORTHINESS. OFFER VALID THROUGH DECEMBER 31, 2023. THIS APR WILL VARY WITH THE MARKET BASED ON THE PRIME LENDING RATE.
**Download a detailed explanation of our credit card rates and fees: VISA® Platinum (PDF) | VISA® Classic (PDF).