Looking for a credit card that gives you more?
Enjoy premium benefits, added rewards and robust features.
Highlights
| 1.5x |
Reward points per $1 |
| $0 |
Annual fee |
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No balance transfer fees |
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Travel protection |
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Additional benefits
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Cell phone protection
Reimbursement up to $500 in the event your device is stolen, or damaged. Applies when you make your monthly cellular wireless phone bill payment with your eligible card.
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SchoolsRule donations
With every RCU Visa® card transaction made by Sonoma and Marin county residents, we make a donation to SchoolsRule supporting local public schools.
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Travel protection
Rest assured with access to travel protection including lost luggage reimbursement, travel accident insurance and more.
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Luxury hotel collection
Access hotel properties worldwide with Visa Signature Luxury Hotel Collection. Receive a best available rate guarantee and added perks.
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And more...
Earn points on every purchase!
Redeem points for cash back directly to your account, donate to charity, or cover your purchase!
Features
SmartSweep Payments*
Digital Wallet
Tap to Pay®
Security
Zero Liability
Rewards
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.
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1
Apply for a credit card
You can complete an online application in just a few minutes.
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2
Get your card
Once approved, we'll send your card in the mail.
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3
Activate your card
When your card arrives, activate it to start making purchases right away.
Payment protection for when 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.
Get a Visa Signature Card
Start earning rewards to put toward exciting experiences.
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Rates effective October 22, 2026. All rates, terms and special offers subject to change. Cash advance transactions and balance transfers are excluded from earning points. A foreign transaction fee of 1% applies to each transaction made in foreign currency and converted to U.S. dollars. Certain restrictions apply. For further information, please refer to the Visa Signature Guide to Benefits.
*SmartSweep is an optional payment service available for RCU credit cards. Member must set the designated payment schedule and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Certain restrictions may apply.SmartSweep is an optional payment service available for RCU credit cards. Member must set the designated payment schedule and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Certain restrictions may apply.
**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.
Rates
Interest Rates and Charges
Annual Percentage Rate (APRs) for purchases
Variable Rate Program
to 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
Variable Rate Program
to 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 Cash Advances
Variable Rate Program
to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and when it applies
No penalty rate will be applied.
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
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
$0
Cash Advance Fee
$0
Foreign Transaction Fee
1% of the U.S. dollar amount of the transaction is charged
Penalty Fees
Late Payment
Up to $15
Over-the-Credit Limit
$0
Returned Payment
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 October 22, 2026 and are subject to change without notice.
Additional Benefits
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Cell phone protection
Reimbursement up to $500 in the event your device is stolen, or damaged. Applies when you make your monthly cellular wireless phone bill payment with your eligible card.
-
SchoolsRule donations
With every RCU Visa® card transaction made by Sonoma and Marin county residents, we make a donation to SchoolsRule supporting local public schools.
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Travel protections
Rest assured with access to travel protection including lost luggage reimbursement, travel accident insurance and more.
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Luxury hotel collection
Access hotel properties worldwide with Visa Signature Luxury Hotel Collection. Receive a best available rate guarantee and added perks.
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Extended warranty
Provides up to 1 additional year of coverage on eligible U.S. manufacturer’s repair warranties of 3 years or less.
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24/7 concierge
Get assistance with plans for travel, dining, entertainment and more.
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Sofar music experiences
Explore music in a more personal, intimate way with access to select Sofar events and eligibility for a free ticket per show with purchase.
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GigSky mobile roaming data
Signature cardholders with eSIM-capable devices are able to receive a 20% discount when purchasing any data plan directly from GigSky with their Signature credit card.
To view or download descriptions of your card benefits, please visit our Visa Signature Guide to Benefits.
Travel Protection
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Auto rental collision damage waiver
Coverage for damage due to collision or theft on covered rental cars.
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Trip delay reimbursement
Offers reimbursement up to $300 for reasonable expenses incurred when a trip is delayed for more than 12 hours.
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Trip cancelation/Trip interruption
Offers reimbursement up to $5,000 for the non-refundable fare in the event your trip is canceled or interrupted due to a covered reason.
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Lost luggage reimbursement
Offers supplemental reimbursement up to $3,000 for checked or carry-on luggage and its contents in the event of lost or stolen luggage.
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Travel accident and baggage delay insurance
Provides up to $1 million in accidental death and dismemberment coverage. Baggage Delay can reimburse you up to $300 in the event your baggage is delayed by a common carrier.
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Travel and emergency assistance
Helps secure medical, legal, and other assistance if an emergency arises when traveling.
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Roadside dispatch®
Offers 24/7 on-demand referral dispatch network that provides roadside assistance, towing, or locksmith service whenever you need them.
To view or download descriptions of your card benefits, please visit our Visa Signature Guide to Benefits.
Credit card online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Become a Member and apply for your credit card. (Eligibility requirements below)
Eligibility
You can apply for a credit card through RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are a family member of a current RCU Member.
- You work for a designated Select Employer Group.
Balance transfer online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Become a Member and apply for your credit card to begin the balance transfer process. (Eligibility requirements below)
Eligibility
You can apply for a credit card through RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
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.
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