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Visa® Credit Builder Credit Card

Build your credit to afford the things you need

Stop worrying whether your low (or no) credit score is holding you back and start building it up with a Visa Credit Builder credit card.


Visa Credit Builder


Reward points per $1


Annual fee


No balance transfer or foreign transaction fees

Additional Benefits

Cell phone protection

Reimbursement up to $250 in the event your device is stolen, or damaged. Applies when you make your monthly cellular wireless phone bill payment with your eligible card.

Learn More

Auto rental collision damage waiver

Coverage for damage due to collision or theft on covered rental cars.

Identity theft protection

ID Navigator, Powered by Norton LifeLock, gives greater peace of mind with tools offering protection against identity threats.

Learn More

Travel and emergency assistance

Helps secure medical, legal, and other assistance if an emergency arises when traveling.

And more...

Redwood Rewards

Earn points for cash back, travel, and more

Earn rewards points for every dollar spent that can be used for cash back or other exciting experiences including concert tickets or other events.

Redwood Rewards
Young girl traveling in Italy


Digital Wallet

Digital Wallet

Click to Pay

Click to Pay

Tap to Pay

Tap to Pay



Zero liability

Zero Liability



Financial tips and tools

Gain access to the tools you need to make better financial decisions.

Get the support you need to grow your credit score with financial tips and budgeting tools designed to teach you important skills and habits.

Transfer balances free

Transfer your credit card balances

Save money on interest and pay off your debt faster with no balance transfer fee when transferring high-interest credit card balances.

How it works

Use your card for everyday purchases and pay your bill every month to rack up rewards.

  • 1

    Apply for a credit card

    You can complete an online application in just a few minutes.

  • 2

    Get your card

    Once approved, we'll send your card in the mail.

  • 3

    Activate your card

    When your card arrives, activate it to start making purchases right away.

Apply Now

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Building your credit doesn't have to be difficult

Start building your credit with a Visa credit builder card, to set yourself up for future success to purchase a car or home, or get a loan.

  • Rates are effective May 26, 2024. Cash advance transactions and balance transfers are excluded from earning points. All rates, terms and special offers subject to change. Certain restrictions apply. For further information, please refer to the Platinum Guide to Benefits.