Big Deal. Normal sized card.



With a new Visa Signature Rewards 

Credit Cardyou will enjoy

0% introductory APR for 12 months.

After that, the standard variable rate will be

11.49% to 18.00% APR.





Features and Benefits1

  • Earn up to 3% Unlimited CASH BACK
    • On Every purchase, Every day, Everywhere!
    • Minimum 1.5% Cash Back
  • 0% Interest for 12 months
    • Interest rate as low as 11.49% to 18.00%
  • $200 Cash Bonus
    • Spend $1,000 in the first 90 days, and receive $200 cash bonus (20,000 bonus points)
  • No Annual Fee
  • No Balance Transfer Fee

Visa Benefits Offered at No Cost

  • Auto Rental Collision Damage Waiver
  • Roadside Dispatch
  • Travel Accident Insurance up to  $1,000,000
  • Norton LifeLock
  • Lost Luggage Reimbursement
  • Purchase Security


Reward Redemption

You can receive even more value from your reward points by redeeming them for cash rebates on Y-12 FCU products and services.

All reward points are combined for easy redemption in our Loyalty Rewards Portal. Points may be easily redeemed for:

  • Cash back
  • Gift cards
  • Travel
  • Credit union product rebates2



1. New card holders only. Subject to credit approval. APR is Annual Percentage Rate. Introductory rate of zero percent Annual Percentage Rate (APR) applies on purchases for 12 months from date of account opening. After that, the standard variable APR for purchases will be applied. As of February 1, 2021, the standard variable APR is 11.49% to 18.00%, based on your creditworthiness. Cardholders qualify for 20,000 Visa Signature Rewards card bonus points if they make at least $1000 in purchases in the first 90 days.

2. Qualifying share certificate or loan: Requires a $5,000 minimum opening balance and a minimum one-year term. Visa credit cards and unsecured lines of credit are not eligible for cash back rewards. Qualifying credit union product: Includes GAP, Warranty, 7 Insurance home, or 7 Insurance auto policies.