Visa® Traditional Card | Redstone Federal Credit Union

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on the right track

Visa ® Traditional

A solid credit foundation can put you on the path to a great future. Even if you’ve struggled with your credit or have no credit at all, it’s never too late—or too early—to build your credit history.

Whether you’re starting out or starting over, take control of your finances with Redstone’s Visa Traditional credit card. It comes with no annual fee, competitive rates, and the support you need to make wise financial choices. Plus, you’ll save even more on dozens of products and services with Visa Discounts and Redstone Discounts!®

The future is bright. Look ahead with confidence.

Visa Traditional

$0

Annual Fee 1

0%

Intro APR for 6 months on purchases. After that, APR will range from 8.75% –12.25% or 18.00% Fixed 2

0%

Intro APR for 6 months on Balance Transfers made within first 30 days. After that, APR will range from 8.75% –12.25% or 18.00% Fixed 3

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

Redstone credit card convenience icon

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

Redstone credit card security icon

Security

Zero-liability fraud protection

Monitor credit card activity with Credit Card Control

Real-time fraud monitoring and fraud text alerts

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 in order to join RFCU. Minimum balance of $5.00 is required to open share savings account and must be maintain in the share savings account at all times. All annual percentage rates (APR) are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate. Fixed APRs are fixed for the term of the loan. 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.  Must have online banking username and PIN/password to access online application.

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 February 1, 2017 , the APR for Visa Traditional (Fixed) is 18.00% APR and fixed for the term of the loan. 
As of February 1, 2017 , the Visa Traditional (Variable) has APRs as low as 7.50% , the Share Secured Visa APR is as low as 12.00% , APRs may vary. Please contact RFCU for more information.
**Promotional rates do not apply.

***The Share Secured Visa Traditional-Must be RFCU primary member to apply. No joint account owners or beneficiaries are permitted. Co-borrowers are not permitted. Up to three authorized users may be named. Must open a non-dividend bearing Secured Visa Deposit Account. Pledged funds in account must equal credit limit, will not earn dividends, and must remain in the account. No withdrawals are permitted unless account is paid in full. No over-drafting allowed. Deposits are limited to initial deposit and approved credit limit increases. 

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

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. 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. RFCU and Visa USA are separate entities.  RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by Visa USA.

Card Control:

Must have compatible mobile device to use service.  Certain functions of the service may not be available for all transactions or at all times.  Controls and alerts based on the location of mobile device or location of merchant may not apply appropriately in some transactions and in some card-not-present transactions.

Must be an RFCU® member to obtain a loan. Must be eligible for membership and open a share savings account in order to join RFCU. Minimum balance of $5.00 is required to open share savings account and must be maintain in the share savings account at all times. All annual percentage rates (APR) are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate. Fixed APRs are fixed for the term of the loan. 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.  Must have online banking username and PIN/password to access online application.

1 As of May 1, 2018, the APR for Visa Traditional (Fixed) is 18.00, APR and fixed for the term of the loan . 
As of May 1, 2018 , the Visa Traditional (Variable) has APRs as low as 8.50%, the Share Secured Visa APR is as low as 8.50%, APRs may vary. Please contact RFCU for more information,

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.

3 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.

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.

**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. 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. RFCU and Visa USA are separate entities.  RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by Visa USA.

FinanceWorks
Must have checking account, online banking, and PIN/password to participate in FinanceWorks. Must not have caused RFCU a loss in order to be eligible to open a checking account. Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to the checking accounts. The deposit and balance amounts and the checking maintenance fees vary per checking account type. Please contact the Credit Union for more information about these amounts and fees. Restrictions apply. Other restrictions may apply.

Card Control:
Must have compatible mobile device to use service.  Certain functions of the service may not be available for all transactions or at all times.  Controls and alerts based on the location of mobile device or location of merchant may not apply appropriately in some transactions and in some card-not-present transactions.

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