0% APR for the First 12 Months on New Visa Platinum Cards!*

You know we've got great credit card rates, but how does 0% for the first 12 months on new cards sound? That's right! This June and July, we're offering a special introductory rate for new cardholders.

What are you waiting for?

Apply today!

Your card for the everyday and the everywhere.

Convenience, great rates, and local service – these are all things you’ve come to expect from your Visions account. Now, you can get all that with your credit card, too.

visa platinum card design

Our Visa Platinum is the perfect fit for whatever your needs, featuring flexible limits, no annual fees, and a rewards system that’s as simple as one dollar = one point.

Use your rewards for travel, gift cards, charitable donations, and more. We think a Visa Platinum deserves a spot in your wallet, and we think you will, too.

Check Out Our Rates

Apply Now

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!

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


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.


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

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 Visa Platinum credit cards only. Introductory and standard loan rates and approval amounts based on creditworthiness. Introductory rate valid for twelve billing cycles after opening and on new Visa Platinum credit cards only. Rates may increase after opening. After the introductory period, the APR will vary based on creditworthiness, the applicable index, and the 5-year U.S. Treasury Note. As of May 31, 2021, the APR ranged from 7.75-17.25% APR with a maximum rate of 18%. Visit visionsfcu.org or call 800.242.2120 for current rate information. Rewards points dependent on purchases; speak with a representative for details. Offer only valid on new Visa Platinum cards opened between June 1 and July 31, 2021. Federally insured by NCUA.