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Credit Cards

Choose the card that's right for your wallet—or mobile wallet!

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Please choose one of the following options:

Questions?

Speak with a local Member Service Representative

Call or text us: 800-724-9282


Representatives are available during our call center hours:
Mon-Thurs: 8:30AM-5PM
Fri: 8:30AM-6PM
Sat: 9AM-1PM

our credit cards

Reliant Visa Signature Rewards credit card

Reliant Visa Signature® Rewards Credit Card

Great for members who typically don’t carry a balance month to month and want rewards.

No annual fee

No foreign transaction fee

Unlimited 1.5% cash back rewards on purchases1

$150 additional cash back reward if you spend $1,500 in purchases in the first 90 days2

0.00% APR intro rate for the first 12 months on purchases and balance transfers3

Regular rate 16.50–18.00% APR thereafter4

Minimum $5,000 credit line

Reliant Visa Platinum credit card

Reliant Visa Platinum Credit Card

Great for members who carry a balance and want to enjoy low rates.

No annual fee

No balance-transfer fee

No cash advance fee

No foreign transaction fee

Consistently low rates

0.99% APR intro rate for the first 6 months on purchases, balance transfers, and cash advances5

Regular rate 11.75–18.00% APR thereafter6

Minimum $500 credit line

how do our cards compare?

Here’s a breakdown showing how our Visa credit cards compare to other popular cards in the market.

All figures are for illustrative purposes only.

  • Introductory Rate

    Introductory Rate

  • Purchase Rate

    Purchase Rate

  • Balance Transfer Rate

    Balance Transfer Rate

  • Cash Advance Rate

    Cash Advance Rate

  • Penalty APR

    Penalty APR

  • Annual Fee

    Annual Fee

  • Balance Transfer Fee

    Balance Transfer Fee

  • Currency Conversion Fee

    Currency Conversion Fee

  • Cash Advance Fee

    Cash Advance Fee

  • Service

    Service

Reliant’s Visa Signature Rewards Credit Card

  • Introductory Rate

    0.00% APR3 for the first 12 months on purchases and balance transfers

  • Purchase Rate

    16.50–18.00% APR

  • Balance Transfer Rate

    16.50–18.00% APR

  • Cash Advance Rate

    16.50–18.00% APR

  • Penalty APR

    None

  • Annual Fee

    None

  • Balance Transfer Fee

    3% (minimum $5)

  • Currency Conversion Fee

    None

  • Cash Advance Fee

    3% (minimum $5)

  • Service

    Local: in person, by phone, or 24/7 support center

Reliant’s Visa Platinum Credit Card

  • Introductory Rate

    0.99% APR5 for the first 6 months on purchases, balance transfers, and cash advances

  • Purchase Rate

    11.75–18.00% APR

  • Balance Transfer Rate

    11.75–18.00% APR

  • Cash Advance Rate

    11.75–18.00% APR

  • Penalty APR

    None

  • Annual Fee

    None

  • Balance Transfer Fee

    None

  • Currency Conversion Fee

    None

  • Cash Advance Fee

    None

  • Service

    Local: in person, by phone, or 24/7 support center

Popular 0% Credit Card

  • Introductory Rate

    0% for 12 months

  • Purchase Rate

    19.80% APR

  • Balance Transfer Rate

    19.80% APR

  • Cash Advance Rate

    24.90% APR

  • Penalty APR

    29.40% APR

  • Annual Fee

    $39

  • Balance Transfer Fee

    3% on amount transferred

  • Currency Conversion Fee

    None

  • Cash Advance Fee

    3% of cash advance (minimum $10)

  • Service

    Non-local call center

Popular Rewards Credit Card

  • Introductory Rate

    None

  • Purchase Rate

    13.99–24.99% APR

  • Balance Transfer Rate

    13.99–24.99% APR

  • Cash Advance Rate

    26.24% APR

  • Penalty APR

    30.24% APR

  • Annual Fee

    $95

  • Balance Transfer Fee

    Either $5 or 3% on the amount transferred

  • Currency Conversion Fee

    2.75% of each transaction after conversion to US dollars

  • Cash Advance Fee

    Either $5 or 3% of cash advance amount

  • Service

    Non-local call center

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in their own words ...

I have a credit card with you folks and had a previous loan with you also. Reliant has always treated me with respect and have always answered all my questions. I always recommend Reliant Credit Union to my friends.

Janina C.
Member since 2016

FAQs

There are two convenient ways to make your Reliant Visa payment online.  You can easily transfer funds from a Reliant account to your Visa credit card to make a payment, or you can make your payment using another financial institution’s routing and account number through online banking.

You can easily set a PIN on your Reliant Visa for cash advances by calling 888-886-0083.

For Relay Calls (TDD) Line, call 800-221-7728.

Call us immediately at 800-724-9282 during regular business hours or 888-918-7765, available 24/7.

Using online Card Management, you can also report a credit card lost or stolen, and then order a replacement. Card Management is available in online banking in a dropdown under “Visa Credit Card” on the grey ribbon at the top of the page. It is available in Reliant’s mobile banking app under “More” and then “Digital Card Management.”

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Disclosures

1 Every net dollar charged* equals 1.5% in Cash Back Rewards. Cash Back Rewards do not expire. There is no cap on the maximum amount of Cash Back Rewards that can be accrued. Your account must be open and in good standing (not canceled or terminated by party; not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Awards are not available when you are in default under the card agreement. Reliant Community Federal Credit Union reserves the right to suspend your participation in the program until your account is in good standing. Cash Back Rewards are forfeited if your card is revoked, closed or 60 days past due. Cash Back Rewards are redeemed on demand and will not be automatically credited to you. You can redeem your Cash Back Rewards through online banking by accessing the Visa Credit Card link and clicking on the Rewards button. The minimum Cash Back Rewards to redeem is $25. You will be able to redeem your Cash Back Rewards to your Reliant Checking or Savings account, not an account at another financial institution. You also have the option to apply your Cash Back Rewards as a statement credit. You may transfer balances from your non-Reliant credit cards and loans by filling in the Balance Transfer request form. These transfers are subject to approval. Amounts transferred will not be included in the balance eligible for Cash Back Rewards.
* Net Dollar Charged: Cash Back Rewards will be based on net purchases (sum of eligible purchase transactions minus returns and refunds) posted to your account at the close of each billing cycle.
2 New Reliant Visa Signature credit cardholders are eligible to receive $150 cash back after charging a minimum of $1,500 in the first 90 days. Once cardholders qualify for the $150 introductory cash back offer, they will see those rewards available for redemption when the statement cycles.
3 APR = Annual Percentage Rate. 0.00% APR intro rate applies to purchases and balance transfers completed for 12 months from the date the account is opened. After that date, all balances will be subject to a variable rate. Your variable rate is determined by an Index and a percentage amount above the Index called the margin. Your margin is based on a six-month review of your credit history. The margin will be assigned every six months and will remain in effect until the next credit review. The Index is based on the highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. The Index may change quarterly. Your variable rate will not exceed 18.00% APR. The 0.00% APR does not apply to balance transfers of existing Reliant Visa credit card balances. The APR is accurate as of 2/1/2023.
4 Visa Signature® Rewards credit card Disclosure
5 APR = Annual Percentage Rate. 0.99% APR intro rate applies to purchases, balance transfers, and cash advances completed for six months from the date the account is opened. After that date, all balances will be subject to a variable rate. Your variable rate is determined by an Index and a percentage amount above the Index called the margin. Your margin is based on a six-month review of your credit history. The margin will be assigned every six months and will remain in effect until the next credit review. The Index is based on the highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. The Index may change quarterly. Your variable rate will not exceed 18.00% APR. The 0.99% APR does not apply to balance transfers of existing Reliant Visa credit card balances. The APR is accurate as of 2/1/2023.
6 Visa Platinum Credit Card Disclosure

All loan terms, conditions, and interest rates are subject to change. All Reliant loans are subject to approval and must meet credit-granting terms and conditions. Membership eligibility required.