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
Earn 1.5% CashBack on all purchase transactions Earn 1.5% CashBack on all purchase transactions  
APR for PurchasesAs low as 8.25% VariableAs low as 8.25% VariableAs low as 7.25% Variable
or 18.00% Fixed
No Balance Transfer or Cash Advance Fees*orange-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 Fee*orange-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, net purchases will receive a 1.5% annual CashBack rebate. Qualifying net purchases are defined as purchases, less any merchandise returned for credits. The annual CashBack payout for January 2017 will include statement periods April through December 2016. CashBack rewards 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 and current for the entire accrual period. Balance transfers, cash advances, and other CashBack promotional offers are not included in the CashBack rebate calculation. 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; foreign currency conversion fees may apply of up to 1% of the converted transaction amount for each international multicurrency or single currency transaction. Waivers for foreign currency conversion fees may also apply. The Visa Traditional (Fixed) APR is 18.00%  and is fixed for the term of the loan. Foreign currency fees do not apply to the fixed Visa Traditional. 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.

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

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.

Comparison rates provided by Informa Research Services, Inc., Calabasas, CA. www.informars.com. Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed.

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, net purchases will receive a 1.5% annual CashBack rebate. Qualifying net purchases are defined as purchases, less any merchandise returned for credits. The annual CashBack payout for January 2017 will include statement periods April through December 2016. CashBack rewards 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 and current for the entire accrual period. Balance transfers, cash advances, and other CashBack promotional offers are not included in the CashBack rebate calculation. 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; foreign currency conversion fees may apply of up to 1% of the converted transaction amount for each international multicurrency or single currency transaction. Waivers for foreign currency conversion fees may also apply. The Visa Traditional (Fixed) APR is 18.00% and is fixed for the term of the loan. Foreign currency fees do not apply to the fixed Visa Traditional. 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.

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

 

 

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Win in our 65k Giveaway

NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Giveaway ends 11/30/16.  Some restrictions apply. To enter and for Official Rules, click here.

Struggling to Be Debt-Free?

Maybe a credit card balance transfer is right for you. Check out this guide to find out how to choose a card and consolidate your debt.

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