Visa® Rewards | Redstone Federal Credit Union

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and get rewarded

Visa® Rewards

Looking for a card that lets you earn unlimited CashBack on the things you buy every day? With Redstone’s Visa® Rewards card, getting rewarded has never been easier. Since there is no limit to the amount you can receive, you’ll earn CashBack on every purchase you make with your card, and your rewards will be automatically deposited into your account.

In addition to a great rate and no annual fee, you’ll save even more on your favorite products and services with exclusive Redstone Discounts!®

Use your card, get Cash Back. Simply rewarding.

Visa Rewards

3%

CashBack on purchases made in the first 90 days
(Introductory offer)

1.5%

CashBack on ALL purchases made after the first 90 days
No limit on the amount you can receive

0%

Intro APR for 6 months on Balance Transfers made within first 30 days. After that, APR will range from 8.50% - 12.00%

Our Visa Signature card features additional exclusive benefits1, including

Entertainment

Access to pre-sales and discounts on tickets to sporting events

Preferred seating offers for select Cirque du Soleil shows

Travel

Incredible travel packages, savings, and upgrades

Premium benefits at prestigious hotels worldwide

Trip Cancellation (reimburses some unused fares)

Dining

Complimentary wine tastings at Sonoma County wineries

Savings at restaurants and gourmet retailers

Service

24/7 Visa Signature Concierge2  service, which includes:

Travel and dining arrangements

Entertainment and event tickets

Hospitality services

Savings

Special offers from select retailers with Visa Discounts**

Price Protection (reimburses the price difference of an item if you find it advertised for less within 60 days of purchase)

I am looking for:

A First Credit Card

Need to establish your credit?

The Visa Traditional card is ideal for students and other members who are ready to open their first credit card. With responsible spending, you can use your Visa Traditional card to build a strong credit foundation, which will help you achieve your goals throughout your life—from buying a home to enjoying your retirement.

Our Visa Traditional card includes round-the-clock-support, real-time fraud text alerts, 24/7 Roadside Assistance, and much more. You can monitor your card activity and manage your account— anytime, anywhere—with Redstone’s Online and Mobile banking. There are so many ways for you to stay on top of your finances and plan for your future.

A Second Chance

Need to reestablish your credit?

If you’ve had challenges with your credit in the past and you want another chance to get your finances in order, the Visa Traditional card can help you move in the right direction.

Build your credit with peace of mind, knowing that you’re backed by the security and convenience of Visa and Redstone’s outstanding member support. It’s easy to keep tabs on your spending with Redstone’s Online and Mobile banking. And with resources like Redstone’s FinanceWorks money management tool, you’ll have what you need to establish healthy habits and keep moving forward.

Ready to open a Redstone credit card? 

Every Redstone Visa credit card includes all of these features

Convenience from Redstone

Convenience

Quick and easy purchases Visa is accepted all over the world

24/7 US-based, live-agent phone support includes emergency card replacement

Manage your account anytime with Redstone’s Online Banking

Account security from Redstone icon

Security

Zero-liability fraud protection

Monitor credit card activity with Credit Card Control

Real-time fraud monitoring and fraud text alerts

Identity theft assistance

Redstone savings and discounts icon

Savings & Discounts

No annual fee

No balance transfer or cash advance fees

Visa Discounts on your purchases at select retailers**

Redstone Discounts!® when you use your card at many local businesses**

Redstone additional benefits icon

Additional Benefits    

Travel and emergency assistance

24-hour Roadside Dispatch service

Auto Rental Collision Damage Waiver insurance coverage for cars rented with your Visa card

Warranty Manager Service manage, use, and extend the warranties of eligible items purchased with your Visa card

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. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. Must have online banking and PIN/password to access online application.

As of February 1, 2017 , the annual percentage rates (APR) are as low as 9.00% for Visa Rewards and may vary. APRs are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate.  

Annual CashBack:
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.

Promotional unlimited 1.5% CashBack Rebate:
Offer valid on all 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.

0% Annual Percentage Rate 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. The standard variable Balance Transfer APR applies 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 Balance Transfer APR in affect at the time. Rates, Terms and Conditions are subject to change.

Important Information about ‘Grace Period’ for the Introductory Balance Transfers Offer for 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.

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

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. Please refer to your Guide to Benefits for further details.. RFCU and Visa USA are separate entities.  RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by Visa USA.

Visa Zero Liability:
Visa’s Zero Liability policy covers U.S-issued cards only and does not apply to ATM transactions, 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.  

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FEATURED RATES

Balance transfer0% APR for 12 mos

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30-year fixed mortgage low 3.375% / 3.501%

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New auto loans as low as 2.35%

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Personal loans as low as 9.99% APR

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What Will Your Business Do With 5% CashBack?

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Live Brighter: Welcoming the Next 65 Years. Click to learn all about it. http://bit.ly/2dqy6Ka   #RFCU65 #creditunion

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Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.

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