Great rate as low as 7.25% APR*!Rate's great!

Looking for a great credit card rate? How about half of the national average APR great? Visions has got it with credit card APRs as low as 7.25 percent* along with tons of other great features just for you.

A Visa® from Visions works with your favorite mobile wallet so you can easily make fast, secure payments in-person and online. Our cards are equipped with tap-to-pay technology so you can make contactless payments on the go. You’ll get added security like Visa purchase alerts that send you notifications about suspicious activity. You’ll also get awesome rewards that are easy to earn and redeem. Plus there’s a 0% balance transfer fee.

You get two great choices in our Platinum and Elite offerings, including your preferred design. If you’re a first time borrower or looking to rebuild your credit, a share secured credit card might be right for you.

With a secured credit card, you agree to hold some of your own money as collateral to the institution, with your credit limit tied to your investment. Ask a representative today to see if this credit building solution is right for you!

Check out our credit card rates!

Apply now!

Personal credit cards

card designs


Redeeming your rewards is easy – simply select your credit card in online or mobile banking, then click the "Rewards" link from the "Details" tab.

Representatives are also available over the phone at 888.211.8384.

Plus, no balance transfer fee!

That's right – you will not be charged a fee when you transfer balances from other high-rate credit cards to one of ours!

Just advance your funds into your checking account and write a check or pay online. It's that simple!

Want to build your credit? Try a secured credit card!

A secured credit card is perfect for the individual looking to build – or rebuild – their credit. Here's how it works:

With a secured credit card, you agree to hold some of your own money as collateral to the institution, with your credit limit tied to your investment. So, for example, if you agree to a $1,000 voluntary hold in your account, that means you have access to a $1,000 credit line. The money on hold in your account is still yours, you just can't access it. After a time – perhaps a year or two – in which you have consistently made your payments, you may qualify for an unsecured card and have your money released from its hold.

Ask a representative today to see if this credit building solution is right for you!

Business credit cards

Own a business and looking for a great credit card that earns you more? Check out our business credit card options.

Activation and fraud alerts

Simply call 833.224.5785 for:

  • Card activations

  • Lost/stolen card support

  • Fraud/disputes

  • PIN changes

Featuring 24/7 availability for all requests.

Fraud Alerts Program Overview
Messaging frequency depends on account activity. For more information, TEXT HELP
to 32874. To cancel fraud text messaging services at any time reply STOP to any alert
from your mobile device.

For Fraud Alerts support, call 800.242.2120. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud.

HELP instructions: Text HELP to 32874 for help or call 800.242.2120.
STOP instructions: Text STOP to 32874 to cancel

Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of any carrier may interfere with messages delivery for which the carrier is not responsible. No carrier will guarantee that alerts will be delivered.

Privacy Policy


Payments can be made in person, over the phone, online, at the ATM, or through the Visions FCU Mobile app.

You can also mail payments to:

Visions Federal Credit Union
PO Box 630685
Cincinnati, OH 45263-0685

Additional Resources

Visa Elite Disclosures

Visa Platinum Disclosures

Helpful Information

For additional information regarding your APR, cash advances, balance transfers, and more, click here.

*APR = Annual Percentage Rate. Credit union membership required with a $1 minimum deposit; certain restrictions apply, ask a representative for eligibility details. Rate and terms available on new credit cards only. Loan rates and approval amounts based on creditworthiness. Certain relationships and restrictions are required to receive rates – ask for details. Rates may increase after opening. APR varies based on creditworthiness, the applicable index, and the 5-year U.S. Treasury Note. As of Jan. 1, 2021, the APR ranged from 7.25%-14.25% APR with a maximum rate of 18% APR. Rewards may expire within 3-5 years based on usage. Click /credit-card-rates or call 800.242.2120 for current rate information. Federally insured by NCUA.

Credit Line Calculators

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