VISA Credit Cards

Holiday Special on New VISA Cards!

Earn 20,000 Bonus Points!

Spend $3,000 in the first 90 days and double your new card bonus points.4

Get $200 Cash Back!

Spend $3,000 in the first 90 days and earn $200 in statement credit.6

Already have a Platinum Rewards Card with Us?

Get double points4 on all your purchases this holiday season!

2 x 3 = 6 points for gas
2 x 2 = 4 points on groceries
2 x 1.5 = 3 points on everything else!

Bonus points are awarded based on total purchases made during the promotional period of 11/1/24 through 12/31/24. 1.5 point transactions will earn 3 points, 2 point transactions will earn 4 points, and 3 point transactions will earn 6 points.

Whether you prefer cash back and other rewards or a low rate, Velocity Community Credit Union has the card for you. Our VISA Credit Cards Offer:

  • Competitive Introductory Rate of 0%1 APR for 12 months on balance transfers and no balance transfer fees made within the first 90 days of account opening. After the 12 month introductory period, your rate will adjust to the standard variable rate that is currently 14.25% to 18.00% APR.
  • Rate cap of 18% APR2
  • Travel & Purchase Perks3
  • The latest in secure contactless chip technology
  • No annual fee, no application fee, no inactivity fee, nor over-limit fee. 1% foreign transaction fee will apply
  • Easy management of your card in Online Banking.

Apply Now!

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Platinum Rewards VISA Credit Cards

Combine the best of both worlds with a Platinum Rewards VISA credit card from Velocity Community Credit Union. Low rates, awesome rewards,4 plus the ability to combine points within your household means your points add up fast!

Our Rewards credit card earns you:

  • 3 reward points per dollar spent on gas purchases
  • 2 reward points per dollar spent on grocery store purchases
  • 1.5 reward points per dollar spent on everything else!

Travel, cash, gift cards, and merchandise – spend your points your way.

How can we make this even better? Open a new Rewards VISA credit card with us and get 10,000 bonus points! Just make $3,000 in new purchases within 90 days of opening the account.

Plus, our Rewards VISAs come with travel & purchase perks!3 Just use your Rewards card for all your travel and merchandise purchases to receive these added protections and benefits:

  • Travel perks:
    • No foreign fees
    • Lost luggage insurance
    • Trip cancellation, delay, and interruption protection
    • No foreign fees
  • Purchase perks:
    • Buyer protection
    • Extended warranty

Platinum Low-Rate VISA Credit Cards

With a Low-Rate VISA credit card from Velocity Community Credit Union, you’ll enjoy the lowest rates we have available in our credit card program. If you want the lowest rate possible and driven by rewards, this card is for you!

Build your credit with a Secured Card

Velocity Community’s Secured VISA is a credit builder card designed to help those just starting out as well as those looking to rebuild their credit. You can choose either a Low-Rate or Rewards credit card at the best rate available.

To secure the card, a special account is opened to hold your deposit. The deposit money is on hold as security for the credit balance on the card. For example, if you want a credit limit of $1,000, then you would deposit $1,000 to the new account. The deposited money is held in case of a default (more than one missed payment). We do not pay for purchases from those funds, nor will we make payments from them.

Here are some of the features:

  • Deposit as much or as little5 as you like. Your credit limit is equal to the amount of your deposit.
  • The money continues to earn dividends just as if it were being held in your savings account.
  • Receive a monthly bill and make payments as you would any other credit card.
  • Paying on time every month will help build good credit.
  • With good payment history, you may request that we modify your account to a non-secured card. Once approved, we will return your deposit to you.

You can manage your account online through Online Banking by enrolling your card on the credit card page.

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Access Your Credit Card Information Online

Your credit card information is available online through Online Banking. Sign in, add your card, and have easy access to all your account information in one place

  • View your statement
  • Pay your bill
  • Get account history
  • Set up transaction alerts
  • View Rewards

Sign In to Online Banking

Email Fraud

Velocity Community Credit Union and Visa will not send emails requesting your personal account information. If you receive an email that appears to be from Velocity Community Credit Union or Visa requesting your account information, you should consider it to be a fraudulent attempt to obtain your personal account data for illegal purposes and should not follow the instructions in the email.

If you respond to such an email and provide any confidential account information, please notify us immediately of the scheme at [email protected]. You should also change your account’s PIN and take any additional action recommended by Velocity Community CU to protect your account.

Credit Card Disclosure

Click here to view a copy of our Credit Card Disclosure (also known as a Schumer Box) for more detailed rate and disclosure information.

1) Effective July 15, 2024: Transferred balances made within the first 90-days of account opening will have a 0% APR introductory rate for 12 months (12 billing cycles). There are no balance transfer fees for the first 90-days after a new VISA account is opened, after that a fee of 2% of the transfer balance or $5 (whichever is greater) will apply. At the end of the introductory rate period, the account will convert to the standard variable rate as determined by creditworthiness. As of 11/05/24 rates are currently as low as 14.25% to 18.00% APR for the Low-Rate Platinum VISA or 16.25% to 18.00% APR for the Rewards VISA. Annual Percentage Rate will not exceed 18.00% APR. Existing VCCU VISA Credit Card balances are not transferable.

2) APR=Annual Percentage Rate. Variable-rate is based on the Prime Rate as published in The Wall Street Journal, currently 8.00% APR plus margin, as of November 5, 2024. Contact Velocity Community Credit Union for complete details. Annual Percentage Rate will not exceed 18.00% APR. Rates are quoted as ranges and your rate will be determined by your creditworthiness.

3) Click here for details.

4) Account must be in good standing to receive bonus points. Cash advances, balance transfers, fees, and finance charges do not qualify for bonus points. Your appropriate bonus points will automatically be posted to your card account and are non-transferable.

5) As of April 1, 2021, the minimum deposit required is $500 for youth accounts and $1,000 for adults.

6) Your statement credit will post within the statement cycle following the 90-day account opening period.