Skip nav to main content.
Apply Now
Visa Signature® Card

Looking for a credit card that gives you more?

Enjoy premium benefits, added rewards and robust features.

Get a Visa Signature Card
Friends at coffee shop together.

Overview

With every Visa Signature purchase, you earn rewards toward exciting experiences that are important to you.

Highlights

Earn rewards points

Earn 1.5 points for every $1 you spend. If you have a credit card and debit card with RCU, your credit and debit rewards points are automatically combined so you’ll rack up points even faster.

No hidden fees*

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

Additional benefits

Purchase protection

Shop with confidence knowing that eligible items you purchase are protected in the event of theft or damage.

Travel protection

Rest assured with access to travel protection including lost luggage reimbursement and travel accident insurance.

Luxury hotel collection

Access hotel properties worldwide with Visa Signature Luxury Hotel Collection. Receive a best available rate guarantee and added perks.

Advance ticket sales & VIP access

Access to an inside connection for advance ticket sales and VIP access to games, events, shows, and getaways.

And more...

View all additional benefits

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

Features

Digital Wallet

Digital Wallet

Click to Pay

Click to Pay

Tap to Pay

Tap to Pay

Security

Security

Zero Liability

Zero Liability

Rewards

Rewards

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.*

Start Now

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. Go ahead: send us a question or give us a call.

Send a Question Call Us

Get a Visa Signature Card

Start earning rewards to put toward exciting experiences.

Get a Visa Signature Card

  • *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 of $20 will be charged. Cash advance transactions and balance transfers are excluded from earning points. For further information, please refer to the Visa Signature Guide to Benefits.

Rates

VISA Signature Rates and Terms

INTEREST RATES AND CHARGES
Annual Percentage Rate (APRs) for purchases 10.74% to 13.74% when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 10.74% to 13.74%
This rate will vary with the market based upon the Prime Rate.
APR for Cash Advances 13.74% to 16.74%
This rate will vary with the market based upon the Prime Rate.
Penalty APR and when it applies No penalty rate is charged.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charges $0.00
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau.
FEES
Annual Fee $0
Transaction Fees
Balance Transfer Fee

 

Cash Advance Fee

 

Foreign Transaction Fee

 $0

 

$0 if cash advance performed at RCU location. 2% of the advance amount or $20, whichever is greater, if cash advance performed at a non-RCU location.

 

$0
Penalty Fees
Late Payment

 

Over-the-Credit Limit

 

Returned Payment

 Up to $15

 

$0

 

Up to $22
Other Fees
Redwood Rewards $0

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

The information about the costs of the card described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed call us at 1 (800) 479-7928.

Rates are effective December 1, 2021 and are subject to change without notice.

Apply

Don't have an RCU credit card?

Start the process by applying for one today. It takes only a few minutes!

Apply Now

Already have an RCU credit card?

Log in to RCU online banking to add another.

Get Started

Already applied?

To check the status of your credit card, view any loan conditions, or upload any requested documents.

Log In

PPP Forgiveness Application Deadline

Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:

  • PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
  • RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
  • Your correct deadline will be reflected in your online banking account.

If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.

Leaving Our Website

You are leaving our website and linking to an alternative website not operated by us. Redwood Credit Union does not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.

Login to Online Banking