Big Features.
Little Card.

All cards include:
  • Introductory 0% APR* on all purchases and balance transfers for 12 months!
    • After the 12 months, the standard variable rate will be as low as 12.40% APR*.
  • Simple and free payment options.
  • Purchase security.
  • Extended Warranty Protection.
  • $400,000 Travel Accident Insurance.
  • Credit Life & Disability Insurance.
  • Auto Rental Insurance.
  • Roadside Assistance.
  • 25-Day grace period on purchases.
  • No annual fee**.
  • ...And more!
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A Card For Every Need

All Cards Include:

  • Introductory 0% APR* for 12 months on purchases and any balances transferred within the first 60 days of account opening.
    • After the 12 months, the standard variable rate will be as low as 12.40% APR*.
  • Low Rate Visa

    Low Rate Visa

    This card is perfect to consolidate debt, save on interest, or for your everyday spending.
    • As low as 12.40% variable APR*
    • No annual fees.**
    • No cash advance fee.**
    • Contactless card.
    • Visa benefits such as purchase security, extended warranty protection, and auto rental insurance.
    Apply Now
  • Visa Rewards

    Visa Rewards

    Earn one point per dollar spent and redeem points for merchandise, travel, cash back, and more.
    • As low as 14.40% variable APR*
    • No annual fees.**
    • No cash advance fee.**
    • Contactless card.
    • 1 point for every $1 spent, with points redeemable for gift cards, cash back, travel, and more.*** Demo
    • Earn 5,000 bonus points when you spend $3,000 within the first 90 days of opening the account.†
    • Visa benefits such as purchase security, extended warranty protection, and auto rental insurance.
    Apply Now
  • Cash Back Visa

    Cash Back Visa

    Get 1.5% cash back on all your purchases and enjoy bonus perks too. Spend a little, earn a lot! 
    • As low as 14.40% variable APR*
    • No annual fees.**
    • No cash advance fees.**
    • Contactless card.
    • 1.5% cash back on all your everyday, qualified purchases.*** Visit the Site
    • Earn a $100 bonus when you spend $1,000 or more in the first 90 days.†
    • Visa benefits such as purchase security, extended warranty protection, and auto rental insurance.
    • Visa Signature benefits, such as Visa Signature Concierge, and Visa Signature Perks.
    Apply Now
Rates and Terms

Related

Disclosures

* APR = Annual Percentage Rate. APR is accurate as of 12/23/2024. Rates range from 12.40% to 24.40%, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate.

All loans subject to approval.

Introductory Offer

Introductory offer: 0% APR on purchases for twelve (12) months from date of account opening and on balance transfers for twelve (12) months when completed within the first sixty (60) days of account opening and only from non-Kitsap Credit Union cards. Your post-promotional rate is variable and will depend on creditworthiness and product selected. Balance transfers must be completed within the first 60 days of account opening to be eligible for introductory rate. The total amount of your request(s), including fees, cannot exceed your available credit. Balance transfers conducted after the 60-day introductory period will not be charged a fee and variable Balance Transfer APR will apply. Balance transfer fee of either $10 or 3% of each transaction, whichever is greater. Introductory offer applies to new credit card accounts only and excludes Visa Business Rewards credit card.

** Foreign transaction fees apply: 2% of each foreign currency transaction in U.S. dollars; 1.80% of each U.S. dollar transaction made in a foreign country or by merchant located in foreign country, even if initiated with the U.S.

Visa Rewards and Visa Cash Back Program

*** Points/dollars are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars. Refer to the Important Visa Credit Card Disclosure for the terms and conditions, fees, charges, and other information regarding your credit card account.

† Visa Rewards and Visa Cash Back Bonus

Offer valid for cardholders issued new Visa Rewards credit card account. To be eligible for the 5,000 bonus points, you must make $3,000 or more in net purchases within 90 days of account opening. Offer expires 12/31/2024.

Offer valid for cardholders issued new Visa Cash Back credit card account. To be eligible for the $100 bonus dollars, you must make $1,000 or more in net purchases within 90 days of account opening. Offer expires 12/31/2024.