NEW rewards card 282w

The Rewards Visa® Credit Card from VLFCU puts your money to work for you! Earn ScoreCard® Rewards Bonus Points for every qualifying net dollar you spend with your Rewards Visa®.

These points can then be redeemed for cash, merchandise, gift cards and travel, including offers from local attractions like Cedar Point and Kalahari.

This card has it all with low rates, great rewards, easy account management, and so much more, including:

  • Accepted worldwide
  • Introductory 1.99% APR for first 6 months*
  • No annual fee
  • No cash advance fee
  • Free balance transfer program
  • Full fraud protection 24/7
  • Travel accident insurance
  • 25-day grace period for re-payment
  • Get Visa Purchase Alerts or manage card controls from our mobile app
  • Low minimum payments
  • Make payments in person, online or over the phone

Discover the purchasing power of Visa® today! Click the button below to apply online or download the application today.

Click here to view the Visa Consumer Credit Card Agreement.


vdot-smallMembership required to use services. Click here for membership requirements.


Member must be in good standing with VLFCU. All loans are subject to credit approval.

*The introductory rate of 1.99% applies for the first 6 billing cycles, after which the standard APR assigned will be calculated as prime + 6.90% to 17.90% (as published in the Wall Street Journal). The rates and APR may differ depending on individual creditworthiness. Balance transfers may not be used to pay down an existing VLFCU Visa®. When using a Visa® card outside the United States a foreign transaction fee of 1% of the amount of each transaction will apply.


Credit Cards

Credit Cards ComputerCredit cards offer great convenience, but also come with great responsibility. Before choosing a credit card, or using one to make a purchase, it’s important to know how they work.

Take our short Financial Empowerment program on Credit Cards to learn more about the benefits and risks of owning and using a credit card, including:

  • Credit card basics
  • Comparing credit card offers
  • Your consumer rights
  • Paying off your balance