Credit Cards
Get the card that serves your best interest.
tools designed with you in mind
The Reliant Visa Platinum is the right card for your wallet — or your mobile wallet! It offers security and convenience, with low rates and fewer fees than other cards can provide.
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Low Rates
Reliant’s Visa Platinum offers an intro rate of 0.99% for six months** and can be as low as 7.75% APR after1 — unlike cards that start out low and skyrocket later.
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Avoid Fees
Say goodbye to your annual fee, and pay no fees for balance transfers, cash advances or currency conversion. That’s money in your pocket.
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EMV Chip Security
All of our cards have EMV chips, which carry security credentials to help prevent skimming and cloning. Don’t settle for less.
how does our card compare?
Here’s a breakdown showing how our Visa Credit Card compares to other popular cards in the market.
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Introductory Rate
Introductory Rate
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Purchase Rate
Purchase Rate
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Balance Transfer Rate
Balance Transfer Rate
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Cash Advance Rate
Cash Advance Rate
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Penalty APR
Penalty APR
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Annual Fee
Annual Fee
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Balance Transfer Fee
Balance Transfer Fee
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Currency Conversion Fee
Currency Conversion Fee
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Cash Advance Fee
Cash Advance Fee
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Service
Service
Reliant’s Visa Platinum Credit Card
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Introductory Rate
0.99% for six months**
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Purchase Rate
7.75–16.75% APR APR
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Balance Transfer Rate
7.75–16.75% APR APR
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Cash Advance Rate
7.75–16.75% APR APR
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Penalty APR
None
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Annual Fee
None
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Balance Transfer Fee
None
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Currency Conversion Fee
None
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Cash Advance Fee
None
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Service
Local: in person, by phone, or 24/7 support center
Popular 0% Credit Card
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Introductory Rate
0% for 12 months
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Purchase Rate
19.80% APR
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Balance Transfer Rate
19.80% APR
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Cash Advance Rate
24.90% APR
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Penalty APR
29.40% APR
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Annual Fee
$39
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Balance Transfer Fee
3% on amount transferred
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Currency Conversion Fee
None
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Cash Advance Fee
3% of cash advance (minimum $10)
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Service
Non-local call center
Popular Rewards Credit Card
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Introductory Rate
None
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Purchase Rate
13.99–24.99% APR
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Balance Transfer Rate
13.99–24.99% APR
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Cash Advance Rate
26.24% APR
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Penalty APR
30.24% APR
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Annual Fee
$95
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Balance Transfer Fee
Either $5 or 3% on the amount transferred
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Currency Conversion Fee
2.75% of each transaction after conversion to US dollars
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Cash Advance Fee
Either $5 or 3% of cash advance amount
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Service
Non-local call center
New Card Number? No Problem
The Visa Account Updater (VAU) allows participating third parties (like merchants, subscription services, and e-commerce websites) to securely and automatically update your card number and expiration date when your card is reissued, so you don’t have to provide them with this data manually. No hassle, no gaps in service.
Not interested? Not a problem. It’s easy to opt out of VAU.
Fraud Detection
With free Visa Purchase Alerts, you can receive a real-time alert via text or email when your card is used. If anyone gets a hold of your card data and tries to make an unauthorized transaction, you’ll know right away.
Sign up for Visa Purchase Alerts
We also monitor our members’ accounts for transactions that just don’t seem like you. As an added layer of fraud protection, you may receive a phone call if there is suspicious activity on your credit or debit card. If you are not available to receive the call, you will receive instructions to call 888-918-7313 to verify activity.
Theft Protection
Let’s talk about Zero Liability Identity Theft Protection.2 This Visa policy protects you from identity theft by making sure that you’ll never be held liable for unauthorized charges.
Auto & Travel Coverage
Visa’s Basic Protection Package provides an auto rental collision damage waiver, travel & emergency assistance, and warranty manager service.
Want coverage for travel accidents & baggage delay? Visa has you covered there, too.
set a travel notice
Did you know that when you travel out-of-state or to a foreign country, your Reliant Visa credit card could be denied for security reasons?
If you plan to use your card when traveling, please let us know at least 24 hours before you leave. Telling us your travel dates and destinations will help protect your account — without losing access to your money.
Notify us by filling out the form when you’re logged into your account in online banking. Click the “Online Services” menu and select the “Travel Notification Form” option. You can also give us a call at 800-724-9282, visit any branch, or fill out our contact form to get started.
I am used to being told ‘we can’t help you’ or ‘we can’t do that’ at other Banks. With Reliant, no matter who I talk to, it is always ‘let’s find the best option’ and ‘here’s what you need to do.’ Everyone does a great job making me feel that my money and my Credit Union are working for me.
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.
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.”
apply for a credit card
Disclosures
**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 5/1/2022. 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.
1 Visa Credit Card Disclosure
2 Visa Plan Agreement