Visa Signature 2% Cash Back

Partners Visa® Signature Credit Card

For a limited time, you can earn unlimited 2% cash back on purchases until 20231 with your new Partners Visa Signature credit card. Enjoy the extraordinary reward of unlimited cash back everywhere, every time.

Enjoy the opportunity to maximize your unlimited cash back by using your card for all your purchases: From everyday spending to family getaways to all your subscription services. It’s easy with no spending caps or merchant categories to keep up with!

Visa_Signature_Rounded

SIGNATURE BENEFITS

  • Enjoy unlimited 2% Cash Back until 2023: Use your card to earn cash rewards. Earn 2% cash back on all purchases until December 31, 2022.1
  • 24/7 Complimentary Concierge Service: Simply call Visa Signature Concierge available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs.2
  • Luxury Hotel Collection: Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties.3
  • Visa’s Zero Liability Policy: You will not be held responsible for unauthorized transactions made with your card.4
All Partners Visa credit cards offer:
  • No Balance Transfer Fee
  • No Annual Fee
  • No Cash Advance Fee
  • Tap-to-Pay Contactless Technology
  • Apple Pay, Google Pay, and Samsung Pay Compatability5
  • Fraud Alert Protection

Apply Now 

 

Rates effective July 5, 2022. Call 800.948.6677 for current rate information.

Interest Rates and Interest Charges

VISA Platinum VISA Platinum Rewards VISA Signature VISA Share Secured
*APR = Annual Percentage Rate for Purchases  7.99% to 17.99%
based on your creditworthiness.
 9.49% to 17.99%
based on your creditworthiness.
15.49%
this APR will vary with the market based on the Prime Rate.
13.90%
APR for Balance Transfers  7.99% to 17.99%, based on your creditworthiness. 9.49% to 17.99%, based on your creditworthiness. 15.49%
this APR will vary with the market based on the Prime Rate.
13.90%
APR for Cash Advances 7.99% to 17.99%, based on your creditworthiness. 9.49% to 17.99%, based on your creditworthiness. 15.49%
this APR will vary with the market based on the Prime Rate.
13.90%
Penalty APR and When it Applies N/A N/A N/A N/A
How to Avoid 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. 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. 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. 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 Charge None None None None
For Credit Cards Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Fees

Annual Fee None None None None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Variable Rate: The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on the first day of each month, to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 17.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest you will pay, may increase your minimum payment and may increase the number of payments to pay off your balance. If the index is no longer available, the credit union will choose a new index which is based upon comparable information.

Margin:
Purchases will be charged at 11.49% above the index.
Balance Transfers will be charged at 11.49% above the index.
Cash Advances will be charged at 11.49% above the index.

Other Fees & Disclosures:
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Returned Payment Fee: $23.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee: $23.00 or the amount of the returned convenience check, whichever is less.

APPLY TODAY!

Apply Online Schedule Appointment

1 Subject to credit approval. Cash advances, balance transfers, fees and interest charges, and convenience checks do not qualify as purchases or earn cash back. Cash back is calculated on net purchases (less credits, returns and adjustments). Cash back earned on purchases will be applied as a statement credit in accordance with your credit card agreement and disclosure. Account must be open and in good standing to earn and receive cash back. 2% cash back on purchases will apply to transactions made from 7/5/2022 – 12/31/2022. After 12/31/2022, purchases will return to earning 1% cash back.
2 Partners Visa Signature® cardmembers are responsible for the payment of any and all charges associated with any goods, services, reservations, or bookings purchased or arranged by the Visa Signature Concierge on cardmembers’ behalf. Any such purchases or arrangements are solely between the cardmember and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service here.
3 See full terms and conditions at visasignaturehotels.com/about/benefits
4 With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen or fraudulently used. You must use care in protecting your card and you must notify us immediately of any unauthorized use.
5 Apple Pay is not available in all markets. For a list of Apple Pay countries and regions, click here. Person to person payments and Apple Pay Cash are available only in the U.S. on iPhone SE, iPhone 6 or later, iPad Pro, iPad (5th generation), iPad Air 2, iPad mini 3 or later, and Apple Watch. Apple Pay Cash is a service provided by Green Dot Bank, member FDIC. Some features require specific hardware and software. For more information, see “Feature Requirements“ at www.apple.com/macos/how-to-upgrade. Google Pay is a trademark of Google, Inc. Use of this trademark is subject to Google Permissions. Samsung Pay is only compatible with select Samsung devices. Visit the Samsung Pay Support page a list of compatible devices.