Woman typing on computer with credit card in hand.

Credit Cards

We offer VISA Credit Cards for qualified members.

Our No Fee Visa Credit Card is the most accepted credit card in the world. It provides cash advances at ATMs and financial institutions worldwide. If you have no credit history, consider our secured VISA Credit Cards. All regular and secured credit cards of the same class have the same features. We also offer a ScoreCard® CashBack Reward Program.

Our philosophy is not to make money on fees, but to encourage the responsible behavior. That's why all our cards work for you:

  • APR*: 9% for Visa Classic and 10.95% for Visa Business Platinum
  • No annual fee
  • Same APR for purchases and cash advances
  • No penalty rates
  • No balance transfer fee
  • 5 days grace period for late payments
  • No cash advance fee
  • Low late payment fees
  • Fixed APR
  • Low international transaction fees
  • Fraud protection – Zero fraud liability
  • APR*: 9%
  • Annual Fee: No
  • Balance Transfer Fee**: No
  • Cash Advance Fee**: No
  • Penalty Rate: No
  • Grace Period for late payments: 5 days
  • Late payment Fee: $10.00
  • International Transaction Fees: 
    • multiple currency transaction in USD - 1.00%
    • single currency transaction in USD - 0.80%
  • Minimum Credit Limit: $500.00
  • Maximum Credit Limit***: $15,000.00
  • Fraud Protection: Zero Fraud Liability

    Requirements: 
  • For Regular Credit Card: Valid SSN, Good Credit.
  • For Secured Credit Card: Valid SSN or Tax ID Number, Pledge of Shares Agreement.
If you are ready to open a Visa Classic Credit Card now, click the corresponding button below.
 
 
 
  • APR*: 10.95%
  • Annual Fee: No
  • Balance Transfer Fee**: No
  • Cash Advance Fee**: No
  • Penalty Rate: No
  • Grace Period for late payments: 5 days
  • Late payment Fee: $20.00
  • International Transaction Fees: 
    • multiple currency transaction in USD - 1.00%
    • single currency transaction in USD - 0.80%
  • Minimum Credit Limit: $1,000.00
  • Maximum Credit Limit***: $15,000.00
  • Fraud Protection: Zero Fraud Liability

    Requirements:
  • For Regular Credit Card: Valid SSN for the owner(s) of business,
    Good Credit. 
  • For Secured Credit Card: Valid SSN or Tax ID Number for the owner(s) of business, Pledge of Shares Agreement. 
If you are ready to open a Visa Business Platinum Credit Card now, click the corresponding button below.
 
 
* APRs for purchases, balance transfers and cash advances are the same. Rates are subject to change.
** We begin charging interest on cash advances and balance transfers on the transaction date.
*** Certain limitations and restrictions apply. For additional information, contact our Member Service Team at (914) 220-4900 during business hours.