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 |
 |
No balance transfer or foreign transaction fees |
 |
Travel protection |
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.
Features
Digital Wallet
Click to Pay
Tap to Pay
Security
Zero Liability
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.
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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.
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.
Get a Visa Signature Card
Start earning rewards to put toward exciting experiences.
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Rates effective February 7, 2023. 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. For further information, please refer to the Visa Signature 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.
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 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.
Foreign Transaction Fee
$0
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 February 7, 2023 and are subject to change without notice.
Additional Benefits
To view or download descriptions of your card benefits, or for information on filing a claim, please visit our Visa Signature Guide to Benefits.
Travel Protection
To view or download descriptions of your card benefits, or for information on filing a claim, please visit our Visa Signature Guide to Benefits.
Credit card online application
Not a Member?
Begin your loan application. Review our Membership requirements below to determine if you are eligible.
You can become a Member of RCU if you meet any of the following:
- 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.
Already applied?
To check the status of your credit card, view any loan conditions, or upload any requested documents.
Balance transfer online application
Not a Member?
Start the balance transfer process by applying for a card today. Review our Membership requirements below to determine if you are eligible.
Already a Member?
Log into online banking or our mobile app and under Manage Cards select “Balance Transfer” to get started.
You can become a Member of RCU if you meet any of the following:
- 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.
Already applied?
To check the status of your credit card, view any loan conditions, or upload any requested documents.
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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