Low Interest. No Annual Fee.
Lower APR + $0 transfer fee = more money in your pocket.
Overview
Did you know the average credit card APR nationwide is a staggering 23.9%? That means many people are paying hundreds more in interest every year than they need to. At RCU, we believe in keeping things fair, and that’s why our credit cards come with a much lower everyday interest rate. We’re saving you money from day one all while including loads of perks and benefits on our cards!
Enjoy great benefits and features with our credit card options
|
Best for
Earning rewards on purchases and saving with a low rate on monthly balances |
|
rate as low as
8.99% APR |
Highlights & Benefits
| 1x |
Reward points per $1 |
| $0 |
Annual fee |
 |
No balance transfer fees |
|
Best for
Maximizing rewards, premium benefits, robust features, and paying off monthly balances |
|
rate as low as
APR |
Highlights & Benefits
| 1.5x |
Reward points per $1 |
| $0 |
Annual fee |
|
No balance transfer fees |
 |
Travel protection |
Reward yourself! Redeem your points for:
Cash Back
Turn your points into cash! Earn cash back that gets deposited right into your RCU account.
Charity
Give back to your community by making a cash donation to the RCU Community Fund with your points.
Purchase rebate
Whether its travel, gifts, or something for your home, use your points to cover a big purchase!
Statement Credit
Apply your points towards your monthly bill, helping you cover your day to day expenses.
With your RCU Credit Card you have access to SmartSweep™ — an easy way to set up automatic payments on your schedule directly from your RCU checking account, giving you the control of debit with the rewards of credit.**
Avoid higher rates on other cards and use the credit card that helps you manage your money automatically.
How does a SmartSweep payment work?
Link your checking or savings account and let us take care of the rest. Our automated system will transfer funds to pay your credit card balance on the schedule you choose.
Whether you want to pay off the full balance each day, week or every other week to avoid interest, make the minimum payment to stay current on your bill, or transfer a fixed amount regularly to chip away at your balance, we have options for you.
Features
Digital Wallet
Click to Pay®
Tap to Pay®
Security
Zero Liability
Pro tip
Use digital banking to transfer your balance from other credit cards to your RCU Visa®. It's simple and only takes minutes!
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
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*Rates effective November 4, 2025. 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.
**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.
Visa Platinum Card Benefits
To view or download descriptions of your card benefits, or for information on filing a claim, please visit our Visa Platinum Guide to Benefits.
Visa Signature Card Benefits
To view or download descriptions of your card benefits, please visit our Visa Signature Guide to Benefits.
Travel Protection
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 an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Visa® Platinum Rates
Interest Rates and Charges
Annual Percentage Rate (APRs) for purchases
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
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
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
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
Non-Variable Rate Program
to when you open your account based on your credit worthiness.
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 November 4, 2025 and are subject to change without notice.
Visa Signature® 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 November 4, 2025 and are subject to change without notice.
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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