Credit Card Options

Don't accept high interest rates and outrageous fees.

Platinum Card

jewelry and other items on a silver dresser tray

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 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

hat, phone, and other items on a desk

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 Travel Accident Insurance
  • Optional Credit Life Insurance

Secured Card

various tools on a pegboard

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.

See how our cards stack up.

Confused about a term? Click the + for an explanation.

  Platinum Classic Secured

The credit limit on our secured card is backed by your savings account. The savings balance is held as collateral. Your credit limit will be based on both your credit history and the amount deposited in the account.
Annual Percentage Rate

The annual percentage rate (APR) is the interest rate charged on credit card balances expressed as an annualized amount. This rate is applied each month that an outstanding balance is present.
9.99% APR 13.50% or 16.50% APR 13.50% or 16.50% APR
Rate Type

A non-variable annual percentage rate doesn't change throughout the year, unlike a variable APR that goes up and down with an index rate, such as the Prime Rate. The rate my still change, but it will be less often and you will receive a notice beforehand.
Non-variable Non-variable Non-variable
Rate After Introductory Period

Many credit cards offer an low introductory, or teaser, rate that will only increase after a certain amount of time.
Same Same Same
Rate After a Late Payment

Other credit card companies often punish late payments by raising the APR.
Same Same Same
Credit Limit

The credit limit is the amount of money that can be charged to a credit card.Your RVCCU credit limit will be determined by your credit history and card type.
$5,000 to
$1,000 to
$500 to
Annual Fee

Some other credit card companies charge a fee each year for using their credit card, in addition to the interest rate on purchases.
$0 $0 $0
Balance Transfer Fee

Many other card companies charge a fee to move a balance from another card to their card.
$0 $0 $0
Over-limit Fee

An over-limit fee is a charge applied by some card companies when your balance goes over your credit limit.
$0 $0 $0
Late Payment Fee

A late payment fee is an amount charged to you if you don't make at least your minimum payment by the due date.
$0 up to $25 up to $25
Travel Accident Insurance

Whether you're traveling across the country or around the world, you and your family are automatically covered by our no cost Travel Accident Insurance when you use your RVCCU Visa Credit Card to purchase your travel tickets.
$500,000 $250,000 $250,000
Credit Life and/or Disability Insurance

Credit disability and credit life insurance through CUNA Mutual Group may help reduce or pay off your covered loan, up to the policy maximum, in the event of a covered life event, injury, illness or death.The monthly premium will be added to your loan payment.
Coverage is designed to fit your lifestyle, is totally voluntary, won't affect your loan approval, and it's simple to apply.
You can sign up for credit insurance at any time after your loan/credit card approval.
Optional Optional Optional

Additional Information

All credit cards are subject to credit approval. Please contact one of our Financial Service Representatives for more details.

*Download a detailed explanation of our credit card rates and fees: Visa Platinum (PDF) | Visa Classic (PDF)

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.