Visa Signature Rewards Card

Ho Ho HOLY COW!

Say hello to the Visa Signature Rewards Credit Card - your passport to a jolly holiday season.

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Image of a cow wearing a Santa hat against a red, sparkly background

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0% Intro APR For 12 Months*

Wave goodbye to high-interest rates and welcome a stress-free shopping season.


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Up to 3% Cash Back With Your Rewards*

Treat yourself and your loved ones to something special and let the rewards pile up!



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$200 Cash Bonus*

When you spend $1,000 in the first 90 days, we will give you a $200 cash bonus. Consider it our way of spreading extra cheer.


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Plus, unwrap exclusive benefits like:

 Auto Rental Collision Damage Waiver
Cruise into a winter wonderland with peace of mind.
 Roadside Dispatch
Don't let a flat tire be your Grinch this year.
 Travel Accident Insurance up to $1,000,000
This is your ticket to jet-setting without fretting. 
 Norton LifeLock
Your digital sleigh ride will stay safe and sound.
 Lost Luggage Reimbursement
The only thing we want you to lose is your worries.
 Purchase Security
We've got your back as well as your new gadgets and gifts.

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Not a member yet? No problem!


You are eligible to be part of our festive family if you:

Are a member of our Y-12 FCU Gives Foundation. It's easy to join! 
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Live, work, worship, or go to school in Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, or Union counties.
Have an immediate relative (parent, sibling, spouse, child, grandparent, grandchild, step-parent, step-sibling, or step-child) who is already a member .

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Visa Application Disclosure and Rates

*New card holders only. 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 September 15, 2023, the standard variable APR is 16.74% 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 product.