Credit cards built with you in mind.

Convenience, local service, and great rates – these are all things you’ve come to expect from your Visions account. Our Visa Platinum and Visa Elite give you all that and more, featuring options designed to help you do even more with your money.

Whether you’re shopping down the street or traveling abroad, you’ll enjoy worldwide access, convenient payment options, and the ability to earn rewards that matter to you.

Travel often? Our Visa Elite was made for you, featuring lost luggage reimbursement, worldwide travel accident insurance, and more.

How about a card with no annual fee that still earns you points? Say hello to our Platinum, with its low rate and flexible rewards that range from gift cards to cash redemptions to charitable donations.

Whatever you need and wherever you’re going, our credit cards provide you with great value and peace of mind that you’re covered for any situation.

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.

Credit Line Calculators

Refer A Friend

Get rewarded for sharing Visions with your friends and family.

Get $25 when they open an account!

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Visions Federal Credit Union

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