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Credit cards

Credit cards to suit any financial situation or need.

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Visa® Credit Builder card

Build credit even if you have no credit history or a low credit score. Choose a Visa Credit Builder card to get your finances on track.

View Our Visa Credit Builder Card

Rewards on debit purchases

Did you know you earn rewards using our debit card? Earn 1 point per 2 dollars spent using our RCU debit card.*

View Our Debit Card
Redwood Rewards

Earn points for cash back, travel, and more

Earn rewards points for every dollar spent that can be used for cash back or other exciting experiences including concert tickets or other events.

Redwood Rewards
Young girl traveling in Italy

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Select the card that works for your unique needs.

Visa Signature

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Visa Platinum

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Visa Credit Builder

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Best for
Best for frequent users who pay off balances monthly
Best for carrying a balance
Best for those looking to build or establish their credit
Reward points
1.5 points / $1 spent
1 point / $1 spent
1 point / $1 spent
Reward types
Cash Back, Merchandise, Travel, Event Tickets, Gift Cards, Experiences
Cash Back, Merchandise, Travel, Event Tickets, Gift Cards, Experiences
Cash Back, Merchandise, Travel, Event Tickets, Gift Cards, Experiences
No annual fee**
True
True
True
No foreign transaction fees
True
True
True
No balance transfer fees**
True
True
True
24/7 concierge service
True
False
False
Trip delay & cancellation protection
True
False
False
VIP access to events & getaways
True
False
False
Free wine tastings
True
False
False
Early bird ticket sales
True
False
False
Luxury hotel discounts & bonuses
True
False
False

Features

Digital Wallet

Digital Wallet

Click to Pay

Click to Pay

Tap to Pay

Tap to Pay

Security

Security

Zero Liability

Zero Liability

Rewards

Rewards

  • *Debit rewards available for personal accounts only. Business accounts are not eligible for debit rewards. Signature-based transactions only.

    **Rates effective December 8, 2021. All rates, terms and special offers subject to change. Certain restrictions apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged.