Visa Signature Rewards Credit Card

This is why we can have nice things.
Unlock more from your purchases with our Visa Signature Rewards Credit Card.

Apply Now

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VISA SIGNATURE REWARDS CARD BENEFITS

Swipin' with perks.

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Shop with ease. 

Simplify your expenses with 0.00% APR for 12 months.1
Enjoy no annual fees or hidden costs.
Horizontal banner of the Visa Signature Rewards Credit Card on an indigo background.

Earn rewards.

Reap a guaranteed minimum of 1.5% cash back on every purchase.1
Score up to 3% cash back on purchases through our Loyalty Relationship Rewards program.1 
Learn more
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Get free stuff.

Snag a $200 cash bonus (20,000 bonus points) when you spend $1,000 in the first 90 days.1
Take advantage of upgraded benefits just for being a Visa cardholder. 
Learn more 


VISA SIGNATURE REWARDS CARD RATES

Check yes to friendly rates.

Visa Application Disclosure

Consumer Credit Card Agreement

Introductory Rate


0%

APR* for 12 months
*Annual Percentage Rate

Standard Variable Rate


15.74%-18.00%

APR*
*Annual Percentage Rate

VISA SIGNATURE REWARDS CARD FEATURES

Enjoy upgraded features.


Person holding the Visa Traditional Credit Card.Visa Cardholder Benefits

Auto

Auto rental collision damage waiver and roadside dispatch

Travel

Travel accident insurance up to $500,000

Finance

Special program with Dovly Uplift for credit monitoring and management

View All Benefits


Person holding the Visa Traditional Credit Card.Your money, your rules
With Visa Transaction Controls

Control when, where, and how much you spend with the touch of a button. Whether you want to limit spending, block certain purchases or simply stay informed, the choice is yours!

Set a limit on how much can be spent in a single transaction.Decide on how and where your Visa card is used.Stay in the loop with real-time alerts.

Check out Visa Transaction Controls in Digital Banking by navigating to Card Management under the Cards menu and start making your own rules!


Phone with Digital Banking login screen.Manage your card like a pro.
With Card Management in Digital Banking, you can easily:

Freeze or unfreeze your cards.
Report your card lost or stolen.
Set a travel notice.
Order a replacement card.
Set up customized alerts.


FREQUENTLY ASKED QUESTIONS

We've got answers.

  • Credit cards and special offers are available to new and existing Y-12 Credit Union members. Please note that all credit cards and offers are subject to credit approval. Terms and conditions may apply.

  • Get started with the online application.

    • Simplify your expenses with 0.00% APR for 12 months.1
    • Enjoy no annual fees or hidden costs.
    • Earn rewards and cash back with every purchase.
    • Snag a $200 cash bonus (2,000 bonus points) when you spend $1,000 in the first 90 days.1
    • Take advantage of upgraded benefits just for being a Visa cardholder.
    • Manage your card with convenience from your favorite device with Digital Banking.


  • No, our Visa Signature Rewards Credit Card does not have an annual fee! Paper statements and additional services may incur a fee. Please reference our fee schedule for additional information.

  • Yes, balance transfers are available! Get started by filling out our online Visa credit card application.

    • Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
    • With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
    • As a credit union, we make decisions with a member-first approach. Your success is our success.
    • Switching your direct deposit from another institution won't be a headache. Our free online tool, Pinwheel, will securely transfer direct deposits to your Y-12 Credit Union account.
    • From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.


RESOURCES

Need additional help?





Apply For A Credit Card Online

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  • 1. New cardholders only. Maximum one cash bonus and introductory rate offer per member. Subject to credit approval. APR is Annual Percentage Rate. Introductory rate of 0% 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 January 15, 2025, the standard variable APR is 15.74% to 18.00%, based on your creditworthiness. Cardholders qualify for 20,000 Visa Signature Rewards card bonus points if they make at least $1,000 in purchases in the first 90 days. 3% cash back requires Relationship Rewards membership and redemption for a new Credit Union loan product.