Visa Signature 2.5% CashBack Promotion

Credit Cards

 Visa Signature®Visa® RewardsVisa® Traditional
 
CashBack on all of your purchases PLUS elite perks
Low rate & simple CashBack on all purchases
Great way to build or rebuild your credit history
CashBack
Redstone-Cashback-Logo
Special Intro Offer:
Earn 
3% CashBack on purchases for 90 days 

After that, earn 1.5% CashBack on all purchase transactions 
Special Intro Offer: 
Earn 
3% CashBack on purchases for 90 days 

After that, earn 1.5% CashBack on all purchase transactions
 
APR for PurchasesAs low as 8.50% VariableAs low as 8.50% VariableAs low as 7.50% Variable
or 18.00% Fixed
Introductory Offers§0% Intro APR
for 
6 months on
Balance Transfers
made within 30 days of account opening
After that, APR will range from 8.50% –12.00%
0% Intro APR
for 
6 months on
Balance Transfers

made within 30 days of account opening
After that, APR will range from 8.50% –12.00%
0% Intro APR
for 6 months on
Purchases
§
After that, APR will range from 7.50% –12.00% Variable or 18.00% Fixed

0% Intro APR for
6 months on
Balance Transfers§
made within 30 days of account opening
After that, APR will range from
7.50% –12.00% Variable or 18.00% Fixed
No Balance Transfer or Cash Advance Feesorange-dotorange-dotorange-dot
Zero Liability**orange-dotorange-dotorange-dot
Warranty Manager Service***orange-dotorange-dotorange-dot
Roadside Dispatch***orange-dotorange-dotorange-dot
Travel Emergency Assistance***orange-dotorange-dotorange-dot
Auto Rental Collision Damage Waiver***orange-dotorange-dotorange-dot
Savings with Visa.com discountsorange-dotorange-dotorange-dot
Redstone Discounts!orange-dotorange-dotorange-dot
No Annual Feeorange-dotorange-dotorange-dot
Text Fraud Alertsorange-dotorange-dotorange-dot
Online and Mobile Account Accessorange-dotorange-dotorange-dot
Waived Foreign Transaction Feesorange-dotorange-dotorange-dot
Year-End Summary Statementorange-dotorange-dot 
Trip Cancellationorange-dot  
Price Protectionorange-dot  
24/7 Visa Signature Concierge Services1orange-dot  
Travel and Lifestyle Benefitsorange-dot  
Entertainmentorange-dot  
Fine Food and Wineorange-dot  
Sportsorange-dot  
Shoppingorange-dot  

 For Visa Signature and Visa Rewards only, purchases will receive a 1.5% annual CashBack rebate. When merchandise is returned, the account credit will result in a reduction of the CashBack rebate. CashBack rebates will be calculated based on January through December monthly statements and will be deposited to the primary cardholder's savings account in January of the following year. To be eligible to receive the rebate, the credit card account must remain open. Balance transfers and cash advances do not qualify. Promotional CashBack offers may not be included in the annual CashBack rebate calculation. See offer for details. CashBack rebates are non-transferrable from one Redstone credit card account to another, except for lost and/or stolen credit cards. Contact RFCU® for more details about the CashBack rebate.

Additional unlimited 1.5% CashBack Rebate offer on all purchases: Offer valid on purchases made within 90 days of account opening date. After 90 days only the annual 1.5% Cashback Rebate will apply.  When merchandise is returned, the account credit will result in a reduction of the CashBack rebate. The introductory CashBack rebate will be paid with the annual CashBack rebate in January of the following year. To be eligible to receive the rebate, the credit card account must remain open and current for the entire promotional period. Balance transfers and cash advances do not qualify. Other restrictions may apply. 
 

§Visa Signature and Visa Rewards Introductory Offers
Balance Transfers Introductory Offer: 0% Annual Percentage Rate for will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. Standard fixed or variable APRs apply to Balance Transfers made after 30 days of account opening. Your introductory Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APR will revert to the variable APR in affect at the time. 

Important Information about ‘Grace Period’ for the Introductory Balance Transfers Offers for Visa Signature and Visa Rewards
Balance Transfer 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for Balance Transfers during the six-month promotional period. After the promotional period, finance charges will begin to accrue at the then standard variable APR(s) for any remaining balances. Cardholders may accrue finance charges at the standard variable rate for Balance Transfers posted to the account after 30 days of an account open date (non-qualified Balance Transfers), if they do not pay their entire balance off each month.

§Visa Traditional Introductory Offers
The Introductory 0% APR for purchases will apply through the end of the 6th billing cycle after the account is opened for all purchases posted to the account within the same period. The Introductory 0% Annual Percentage Rate for Balance Transfers will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. Standard fixed or variable APRs apply to Balance Transfers made after 30 days of account opening. Your introductory Purchase and Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APRs will revert to the fixed or variable APR in affect at the time.

Important Information about ‘Grace Period’ for the Purchase and Balance Transfers Visa Traditional Offers
Purchase 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for purchases made throughout the six-month promotional period from the date of account opening. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR(s) for any remaining balances for Purchases.

Balance Transfer 0% Introductory APR Offer
Finance charges will accrue at the 0% promotional APR for Balance Transfers during the six-month promotional period. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR (s) for any remaining balances. Cardholders may accrue finance charges at the standard variable or fixed APR(s) for Balance Transfers posted to the account after 30 days of an account open date (non-qualified Balance Transfers), if they do not pay their entire balance off each month.
*As of July 1, 2016 , the annual percentage rates (APR) for variable rate products are as low as 8.50%  for (Visa Signature, Visa Rewards), as low as 7.50% for (Visa Traditional), and as low as 12.00% (Visa Traditional Share Secured) and may vary. Variable APRs will vary with the U.S. Prime Rate. The Visa Traditional (Fixed) APR is 18.00%  and is fixed for the term of the loan. All APRs are based on creditworthiness at account opening. Must be an RFCU member to obtain a loan. Must be eligible for membership and open a share savings account to join RFCU. $5 minimum balance is required to open and be maintained in share savings account at all times. Must have online banking and PIN/password to access online application. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender.

**Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions and PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security

***Benefits offered by Visa USA. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Refer to Visa's Guide to Benefits for more details. Redstone Federal Credit Union and Visa USA are separate entities. Redstone does not warrant, guarantee or insure any product, purchase or service offered by Visa USA.

Redstone Discounts! and Visa Discounts® are provided by participating merchants. Must use an RFCU Visa debit or credit card to receive Visa Discounts or any RFCU debit or credit card to receive Redstone Discounts! RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.

1Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders behalf.

Visa Signature®

Best For

Members who want premium card experience complete with CashBack, special benefits, rewards, and offers.

Benefits

  • CashBack rewards
  • No annual fee, balance transfter or cash advance fees
  • Concierge Service***
  • Exclusive Travel & Lifestyle Benefits
  • Online transaction tracking
  • Savings with Visa Discounts**
  • Redstone Discounts!** available

Visa® Rewards

Best For

Members who want a no-hassle credit card with CashBack rewards, great rates, and additional discounts.

Benefits

Visa Traditional

Best For

Members who want to build or rebuild their credit history.

Benefits

 For Visa Signature and Visa Rewards only, purchases will receive a 1.5% annual CashBack rebate. When merchandise is returned, the account credit will result in a reduction of the CashBack rebate. CashBack rebates will be calculated based on January through December monthly statements and will be deposited to the primary cardholder's savings account in January of the following year. To be eligible to receive the rebate, the credit card account must remain open. Balance transfers and cash advances do not qualify. Promotional CashBack offers may not be included in the annual CashBack rebate calculation. See offer for details. CashBack rebates are non-transferrable from one Redstone credit card account to another, except for lost and/or stolen credit cards. Contact RFCU® for more details about the CashBack rebate.

*As of July 1, 2016 , the annual percentage rates (APR) for variable rate products are as low as 8.25%   for (Visa Signature, Visa Rewards), as low as 7.25% for (Visa Traditional), and as low as 11.75% (Visa Traditional Share Secured) and may vary. Variable APRs will vary with the U.S. Prime Rate. The Visa Traditional (Fixed) APR is 18.00% and is fixed for the term of the loan. All APRs are based on creditworthiness at account opening. Must be an RFCU member to obtain a loan. Must be eligible for membership and open a share savings account to join RFCU. $5 minimum balance is required to open and be maintained in share savings account at all times. Must have online banking and PIN/password to access online application. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender.

**Redstone Discounts! and Visa Discounts® are provided by participating merchants. Must use an RFCU Visa debit or credit card to receive Visa Discounts or any RFCU debit or credit card to receive Redstone Discounts! RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants. RFCU and VISA USA are separate entities.

 

 

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Credit Card Agreements

View RFCU's credit card agreements. APRs may vary based on evaluation of applicant's credit at account opening and the product type.

Visa® Signature®, Rewards, and Traditional (including Share Secured) Credit Card Agreement

Visa Traditional Credit Card Agreement