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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.


Break free from the challenges of having no credit history or a low credit score and start building a better financial future.


No annual fee*

Save more money toward your financial goals without paying annual fees associated with other credit cards.

No penalty APR

Credit card interest rates won't increase if you miss a payment, so you don't go deeper into debt.

Earn rewards

Get rewards for your purchases without paying additional fees. With a Visa credit builder card, your purchases help you reach your financial goals faster.

Electronic payment options

Ditch paper checks and simplify paying your credit card bill. Electronic payment options make it easy to make your payments online from any device.

And more...


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.

Low variable rates

Don't pay high interest rates typical of other credit cards

The Visa credit builder credit card is designed to help you build your credit, not get further into debt. Worry less about your debt with lower variable interest rates compared to other credit cards.

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

Why Choose RCU?

At RCU, we're passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

  • 801,038

    That's how many chats, emails, and calls were served by our local Member Service Center in 2020.

  • Forbes logo

    Best in State Credit Union by Forbes Magazine

All the people treat me as if I was their most important customer. They know me by my name without checking. They have raised the limits of my credit cards without me even asking."

— Ronald C.

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 16, 2022 and are subject to change without notice. All rates, terms, and special offers subject to change. Certain restrictions apply. The Visa credit builder may be a secured card. If the card is secured, a savings account will be pledged. For cash advances at a non-RCU location, the greater of 2% or $20 will be charged.