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Visa® Platinum credit card

Start earning rewards with every purchase

Get a Visa Platinum credit card and earn rewards on everyday purchases, big and small.


Earn rewards points

Earn 1 point for every $1 spent. Points can be turned into merchandise, gift cards, and more. Or, redeem them for cash that gets deposited into your RCU account to help you reach your savings goals even faster.

Tips to rack in rewards faster

Combine with debit rewards

Get more points by opening both a credit and a debit card with RCU and combine your points to earn rewards even faster.

No hidden fees

Save money with no annual, foreign transaction or balance transfer fees.

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



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 for a Visa Platinum Card

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly. Go ahead: send us a question or give us a call.

Earn rewards points with every credit card purchase

No matter what you buy, get 1 point for every $1 spent that can help you reach your financial goals.

  • *Rates effective December 1, 2021. All rates, terms and special offers subject to change. Certain restrictions apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged. Convenience checks, cash advance transactions and balance transfers are excluded from earning points.