A solid credit foundation can put you on the path to a great future. Even if you’ve struggled with your credit or have no credit at all, it’s never too late—or too early—to build your credit history.
Whether you’re starting out or starting over, take control of your finances with Redstone’s Visa Traditional credit card. It comes with no annual fee, competitive rates, and the support you need to make wise financial choices. Plus, you’ll save even more on dozens of products and services with Visa Discounts and Redstone Discounts!®
The future is bright. Look ahead with confidence.
Annual Fee 1
Intro APR for 6 months on purchases. After that, APR will range from % Variable – % Variable or % Fixed 2
Intro APR for 6 months on Balance Transfers made within first 30 days after account opening. After that, APR will range from % Variable – % Variable or % Fixed3
Need to establish your credit?
The Visa Traditional card is ideal for students and other members who are ready to open their first credit card. With responsible spending, you can use your Visa Traditional card to build a strong credit foundation, which will help you achieve your goals throughout your life—from buying a home to enjoying your retirement.
Our Visa Traditional card includes round-the-clock support, real-time fraud text alerts, 24/7 Roadside Assistance, and much more. You can monitor your card activity and manage your account—anytime, anywhere—with Redstone’s online and mobile banking. There are so many ways for you to stay on top of your finances and plan for your future.
Need to reestablish your credit?
If you’ve had challenges with your credit in the past and you want another chance to get your finances in order, the Visa Traditional card can help you move in the right direction.
Build your credit with peace of mind, knowing that you’re backed by the security and convenience of Visa and Redstone’s outstanding member support. It’s easy to keep tabs on your spending with Redstone’s Online and Mobile Banking. And with resources like Redstone’s Money Management4 tool, you’ll have what you need to establish healthy habits and keep moving forward.
Must be an RFCU® member to obtain a loan. Must be eligible for membership and open a share savings account in order to join RFCU. Minimum balance of $5.00 is required to open share savings account and must be maintain in the share savings account at all times. All annual percentage rates (APR) are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate. Fixed APRs are fixed for the term of the loan. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. Must have online banking username and PIN/password to access online application.
1As of , the APR for Visa Traditional (Fixed) is % Fixed, APR and fixed for the term of the loan .
As of , the Visa Traditional (Variable) has APRs as low as % - %, the Share Secured Visa APR is as low as % Variable, APRs may vary. Please contact RFCU for more information,
2Visa Traditional Introductory Offers
The Introductory 0% APR for purchases will apply through the end of the 6th billing cycle after the account is opened for all purchases posted to the account within the same period. The Introductory 0% Annual Percentage Rate for Balance Transfers will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. Standard fixed or variable APRs apply to Balance Transfers made after 30 days of account opening. Your introductory Purchase and Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APRs will revert to the fixed or variable APR in affect at the time.
3Balance Transfer 0% Introductory APR Offer:
Finance charges will accrue at the 0% promotional APR for Balance Transfers during the six-month promotional period. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR (s) for any remaining balances. Cardholders may accrue finance charges at the standard variable or fixed APR(s) for Balance Transfers posted to the account after 30 days of an account open date (non-qualified Balance Transfers), if they do not pay their entire balance off each month after account opening.
Important Information about ‘Grace Period’ for the Purchase and Balance Transfers Visa Traditional Offers
Purchase 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for Purchases made throughout the six-month promotional period from the date of account opening. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR(s) for any remaining balances for Purchases.
4Money Management (MX)
Must have online banking, and PIN/password to participate in Money Management. Money Management is a product of Quicken. RFCU and Quicken are separate entities. RFCU does not warrant, guarantee, or insure any product or service provided by Quicken.
5Visa’s Zero Liability policy covers U.S-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details, or visit visa.com/security.
6Credit Card Control:
Must have compatible mobile device to use service. Certain functions of the service may not be available for all transactions or at all times. Controls and alerts based on the location of mobile device or location of merchant may not apply appropriately in some transactions and in some card-not-present transactions.
7Redstone Discounts! and Visa Discounts® are provided by participating merchants. Must use an RFCU Visa debit and credit card to receive Visa Discounts or Redstone Discounts! RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.
Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.