Start earning rewards with every purchase
Get a Visa Platinum credit card and earn rewards on everyday purchases, big and small.
Highlights
| 1x |
Reward points per $1 |
| $0 |
Annual fee |
 |
No balance transfer or foreign transaction fees |
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.
Features
Digital Wallet
Click to Pay
Tap to Pay
Security
Zero Liability
Rewards
Transfer balances free
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.
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1
Apply for a credit card
You can complete an online application in just a few minutes.
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2
Get your card
Once approved, we'll send your card in the mail.
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3
Activate your card
When your card arrives, activate it to start making purchases right away.
Suggested for you
Let RCU waive your Visa® payment if times get tough
For a little extra each month, you can protect your monthly payments if the unexpected occurs.*
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Earn rewards points with every credit card purchase
No matter what you buy, get 1 point for every $1 spent that can help you reach your financial goals.
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*Rates effective April 26, 2024. 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. Convenience checks, cash advance transactions and balance transfers are excluded from earning points.
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 if cash advance performed at RCU location. 2% of the advance amount or $20, whichever is greater, if cash advance performed at a non-RCU location.
Foreign Transaction Fee
$0
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 April 26, 2024 and are subject to change without notice.
Credit card online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
(Only takes 10 minutes, 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.
Tips to rack in rewards faster
Use your card to pay bills and for recurring payments
Add your card to streaming services
Additional Benefits
To view or download descriptions of your card benefits, please visit our Visa Platinum Guide to Benefits.
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.
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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