Credit cards to suit any financial situation or need
Select the card that works for your unique needs.
Enjoy great benefits and features with our credit card options
|
Best for
Maximizing rewards, premium benefits, robust features, and paying off monthly balances |
|
rate as low as
APR |
Highlights & Benefits
| 1.5x |
Reward points per $1 |
| $0 |
Annual fee |
 |
No balance transfer fees |
 |
Travel protection |
|
Best for
Earning rewards on purchases and saving with a low rate on monthly balances |
|
rate as low as
8.99% APR |
Highlights & Benefits
| 1x |
Reward points per $1 |
| $0 |
Annual fee |
|
No balance transfer fees |
|
Best for
Building credit if you have no history or a low credit score |
|
rate as low as
APR |
Highlights & Benefits
| 1x |
Reward points per $1 |
| $0 |
Annual fee |
|
No balance transfer fees |
Features
SmartSweep Payments*
Digital Wallet
Tap to Pay®
Security
Zero Liability
Rewards
Benefits that work for you
| Features | Visa Signature | Visa Platinum | Visa Credit Builder |
|---|---|---|---|
|
Rewards |
1.5 points per dollar spent |
1 point per dollar spent |
1 point per dollar spent |
Cell phone protection 
|
Reimbursement up to $500 |
Reimbursement up to $250 |
Reimbursement up to $250 |
|
Auto rental collision damage waiver
|
True |
True |
True |
|
Travel and emergency assistance
|
True |
True |
True |
|
Roadside dispatch
|
True |
True |
True |
|
Sofar Sounds intimate concert experiences
|
True |
True |
True |
|
Perplexity Core
|
True |
True |
|
|
Booking.com
|
True |
True |
|
|
Extended warranty protection
|
True |
|
|
|
Trip cancelation/interruption
|
True |
|
|
|
Lost luggage reimbursement
|
True |
|
|
|
Travel accident and baggage delay insurance
|
True |
|
|
|
Access to Luxury Hotel Collection
|
True |
|
|
|
Gigsky mobile roaming data
|
True |
|
|
Transfer your credit card balances
Save money on interest and pay off your debt faster with no balance transfer fee when transferring high-interest credit card balances.
-
Rates effective November 12, 2025. All rates, terms and special offers subject to change. Cash advance transactions and balance transfers are excluded from earning points. A foreign transaction fee of 1% applies to each transaction made in foreign currency and converted to U.S. dollars. Certain restrictions apply.
*SmartSweep is an optional payment service available for RCU credit cards. Member must set the designated payment schedule and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Certain restrictions may apply.SmartSweep is an optional payment service available for RCU credit cards. Member must set the designated payment schedule and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Certain restrictions may apply.
**The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCO, LLC.
Credit card online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Become a Member and apply for your credit card. (Eligibility requirements below)
Eligibility
You can apply for a credit card through RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Balance transfer online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Become a Member and apply for your credit card to begin the balance transfer process. (Eligibility requirements below)
Eligibility
You can apply for a credit card through RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Visa® Platinum Rates
Interest Rates and Charges
Annual Percentage Rate (APRs) for purchases
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and when it applies
No penalty rate will be applied.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charges
$0
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau.
Fees
Annual Fee
$0
Transaction Fees
Balance Transfer Fee
$0
Cash Advance Fee
$0
Foreign Transaction Fee
1% of the U.S. dollar amount of the transaction is charged
Penalty Fees
Late Payment
Up to $15
Over-the-Credit Limit
$0
Returned Payment
Up to $22
Other Fees
Redwood Rewards
$0
How We Will Calculate Your Balance:Â We use a method called “average daily balance (including new purchases).”The information about the costs of the card described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed call us at 1 (800) 479-7928.
Rates are effective November 12, 2025 and are subject to change without notice.
Visa® Credit Builder Rates
Interest Rates and Charges
Annual Percentage Rate (APRs) for purchases
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and when it applies
No penalty rate will be applied.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charges
$0
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau.
Fees
Annual Fee
$0
Transaction Fees
Balance Transfer Fee
$0
Cash Advance Fee
$0
Foreign Transaction Fee
1% of the U.S. dollar amount of the transaction is charged
Penalty Fees
Late Payment
Up to $15
Over-the-Credit Limit
$0
Returned Payment
Up to $22
Other Fees
Redwood Rewards
$0
How We Will Calculate Your Balance:Â We use a method called “average daily balance (including new purchases).”The information about the costs of the card described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed call us at 1 (800) 479-7928.
Rates are effective November 12, 2025 and are subject to change without notice.
Visa Signature® Rates
Interest Rates and Charges
Annual Percentage Rate (APRs) for purchases
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and when it applies
No penalty rate will be applied.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charges
$0
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau.
Fees
Annual Fee
$0
Transaction Fees
Balance Transfer Fee
$0
Cash Advance Fee
$0
Foreign Transaction Fee
1% of the U.S. dollar amount of the transaction is charged
Penalty Fees
Late Payment
Up to $15
Over-the-Credit Limit
$0
Returned Payment
Up to $22
Other Fees
Redwood Rewards
$0
How We Will Calculate Your Balance:Â We use a method called “average daily balance (including new purchases).”The information about the costs of the card described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed call us at 1 (800) 479-7928.
Rates are effective November 12, 2025 and are subject to change without notice.
Auto rental collision damage waiver
Coverage for damage due to collision or theft on covered rental cars.
How to redeem
Visit www.eclaimsline.com for filing, or read more from our guide to benefits for Visa Signature or Visa Platinum cards.
Cell phone protection
Reimbursement up to $500 for Signature holders, and $250 for Platinum holders in the event your device is stolen, or damaged. Applies when you make your monthly cellular wireless phone bill payment with your eligible card.
How to redeem
Visit www.cardbenefitservices.com for filing, or read more from our guide to benefits for Visa Signature or Visa Platinum cards.
Roadside dispatch
Offers 24/7 on-demand referral dispatch network that provides roadside assistance, towing, or locksmith service whenever you need them.
How to redeem
Shipt same-day delivery
Get groceries, household essentials, and more delivered the same-day from a variety of local stores.
How to redeem
Sofar Sounds intimate concert experiences
Explore music in a more personal, intimate way with access to select Sofar events and eligibility for a free ticket per show with purchase.
How to redeem
Travel and emergency assistance
Helps secure medical, legal, and other assistance if an emergency arises when traveling.
How to redeem
Norton LifeLock
ID Navigator, Powered by Norton LifeLock, gives greater peace of mind with tools offering protection against identity threats.
How to redeem
Visit Norton LifeLock’s website for more information.
Cardholders enrolled in the ID Navigator benefit before 1/31/25 will receive free ID Navigator coverage until 2/28/25
Extended warranty protection
Provides up to 1 additional year of coverage on eligible U.S. manufacturer’s repair warranties of 3 years or less.
How to redeem
To learn more, visit page 5 of our Visa Signature guide to benefits.
Access to Luxury Hotel Collection
Access hotel properties worldwide with Visa Signature Luxury Hotel Collection. Receive a best available rate guarantee and added perks.
How to redeem
Wine Country perks and benefits
Enjoy year-round benefits at more than 50 premier wineries in Sonoma County.
How to redeem
Visit www.sonomawine.com/visa-signature/ for more information.
Trip cancelation/interruption
Offers reimbursement up to $5,000 for the non-refundable fare in the event your trip is canceled or interrupted due to a covered reason.
How to redeem
To learn more, visit page 9 of our Visa Signature Guide to Benefits.
Lost luggage reimbursement
Offers supplemental reimbursement up to $3,000 for checked or carry-on luggage and its contents in the event of lost or stolen luggage.
How to redeem
To learn more, visit page 12 of our Visa Signature Guide to Benefits.
Travel accident and baggage delay insurance
Provides up to $1 million in accidental death and dismemberment coverage. Baggage Delay can reimburse you up to $300 in the event your baggage is delayed by a common carrier.
How to redeem
To learn more, visit page 13 of our Visa Signature Guide to Benefits.
Gigsky mobile roaming data
Visa Signature Credit cardholders can redeem one complimentary 1 GB / 15-day Global Mobile Data Plan every 365 days and receive a 20% discount on any other data plans.
Perplexity Core
Perplexity, a Visa Intelligent Commerce launch partner, will offer a complimentary Perplexity Pro membership to all U.S. Visa Consumer Credit cardholders for up to 12 months. Perplexity Pro adds agentic shopping capabilities to AI searches and projects. This is a limited time offer available for up to 24 months, with membership length based on the Visa card type:
- Platinum: 6 months
- Signature: 12 months
Booking.com
Effective 9/18/25, Booking.com and Visa are partnering to offer cardholders up to 8% off their hotel reservation purchase as a credit back to their Booking.com wallet to use on future flights, stays, car rentals, attractions and more when placed through Booking.com. This new benefit is applicable to all Visa US issued debit & credit cards.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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