Find the Right Credit Card for You
Whether you want to earn cash back or start building your credit, Redstone has a credit card that fits where you are right now. Every Redstone Visa® card gives you the spending power you need without the extra fees you don’t. That means no annual fee, no balance transfer fees, no foreign transaction fees, and no cash advance fees¹ – just simple, straightforward value with competitive rates. You can choose a cash back card for everyday purchases or a card designed to help you build (or rebuild) your credit. Either way, you’ll get the tools, support, and flexibility to move forward with confidence.
Tap Into Bigger Benefits with Visa Signature
If you’re looking for a cash back credit card that fits the way you spend, the Visa Signature® credit card makes it easy to earn more on the everyday things you already buy with CashBack+ rewards.1 CashBack+ lets you choose where you earn the most, so your rewards keeps up with your life, not the other way around.
Every Purchase Pays Off With CashBack+
CashBack+ puts you in control of how you earn. Each quarter, you can pick the category that matches how you’re spending, and everything is easy to track right in online banking. When it’s time to redeem, you can send your cash back straight to your account or choose digital or charity gift cards. No confusing points. No guessing. Just cash back that fits your life.
5% Cash Back
Pick Your Category
Select your boost category each quarter. Choose from popular options like restaurants, travel, Amazon, and more.
2% Cash Back
Gas and Groceries
Everyday essentials that will earn you more automatically.
1.5% Cash Back
Everything Else
Every swipe of your card keeps earning, anytime and anywhere.
Introductory Offer
Earn a $150 bonus
0% intro APR on balance transfers
Get $150 cash back when you spend $3,000 in the first 90 days.2
Enjoy a 0% intro APR for 6 months on balance transfers made within the first 30 days. After that, a variable APR will range from [rfcu-var] % variable to [rfcu-var] %.3
Visa Signature Built-In Benefits4
Experiences
- Visa® Signature Concierge service for travel, dining, and entertainment
- Travel and lifestyle perks
Protection
- Protection 24/7 roadside dispatch services
- Price protection on eligible purchases
- Extended warranty coverage
Savings
- Access to discounts through Visa® Offers + Perks
1CashBack+ rewards are earned for transactions made with participating card. Purchases over spending caps will earn reduced rewards. Rewards are not earned for ATM, cash advance, or balance transfer transactions. Other restrictions apply; review the terms and conditions.
2You will receive $150 in CashBack+ rewards. To qualify and receive the bonus CashBack+ deposit, you must charge the qualifying amount or more in purchases (minus returns, credits and adjustments) within the first 90 days from account opening (promotional period), using your Redstone Visa Signature credit card. The bonus CashBack+ rewards deposit does not apply to ATM, cash advance, or balance transfer transactions. Your Redstone Visa Signature credit card must be open and in good standing at the time of bonus CashBack+ rewards deposit fulfillment. Allow 45 days after promotional period has ended for bonus CashBack+ rewards deposit to post to your account.
3Visa Signature:
IMPORTANT INFORMATION ABOUT THE BALANCE TRANSFER OFFER
Promotional Period for Introductory APR – Visa Signature:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days following the opening of your account. Any existing balances on a Redstone Federal Credit Union loan or credit card account are not eligible for the Introductory APR for balance transfers.
Important Information about ‘Grace Period’ for the Introductory Balance Transfers Offer for Visa Signature: 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 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 opening date (non-qualified Balance Transfers), if they do not pay their entire balance off each month.
4Benefits 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. RFCU and Visa USA are separate entities. RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by Visa USA.
Build Confidence with Visa® Traditional
Building your credit doesn’t have to be overwhelming. Whether you’re opening your first credit card or working to build (or rebuild) your credit, the Visa Traditional credit card gives you a simple way to move forward. With no annual fee1, competitive rates, and helpful tools to keep you on track, it’s designed to support you as you build your credit over time.
Best if You're
- Looking for a lower rate option
- New to using credit cards
- Establishing or rebuilding credit
- Planning to pay off purchases over time
Unsecured Option
- No deposit required
- Supports credit growth
- Ideal if you don’t have negative credit
- Lower rates than many starter cards
Share Secured Option
- Helps you build or rebuild your credit
- Backed by your Redstone savings
- Easier to qualify for
- Lower risk and more control
Introductory Offer
0% Intro APR for 6 months on purchases
After that, APR will range from [rfcu-var]% - [rfcu-var]% variable or 18% fixed.2
0% Intro APR for 6 months on balance transfers
Made within the first 30 days. After that, APR will range from [rfcu-var]% - [rfcu-var]% variable or 18.00% fixed.3
1As of [rfcu-var], the Annual Percentage Rate (APR) for Visa Traditional (Fixed) is 18.00%. The APR is fixed for the term of the loan.
As of [rfcu-var], the APRs for Visa Traditional (Variable) are as low as 10.50% - 18.00%, the Share Secured Visa APRs are as low as 15.00% Variable and may vary.
APRs are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate. Credit Cards are subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply.
2Visa 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 effect at the time.
3Balance 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 after account opening.
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.
Everything You Need, Built into Every Redstone Card
Convenience
- Easy account access in online and mobile
- Free access to your FICO Score
- Tap to pay and mobile wallet options for fast, secure checkout
Security
- Zero-liability fraud protection from unauthorized transactions2
- Card controls and alerts to manage your account3
- Real-time fraud monitoring for added peace of mind
Savings and Perks
- No annual fee1
- No balance transfer, foreign transactions, or cash advance fees
- Access Redstone Discounts!® at select local retailers4