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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.


Visa Platinum Card


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.

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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.

Learn More

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



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

Suggested for you

Let RCU waive your Visa® payment if times get tough

For a little extra each month, you can protect your monthly payments if the unexpected occurs.*

Have a question?

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

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 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.
    *Your purchase of Payment Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.
    Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Payment Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.