Personal Credit Cards

With a VLFCU Visa® credit card, you have all the purchasing power you need and the freedom to use it anywhere in the world. You’ll also have 24/7 fraud protection and online account management. Other benefits include:

  • Worldwide acceptance
  • Introductory 1.99% APR for the first six 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 repayment
  • Manage your personal credit card from our mobile app
  • Low minimum payments
  • In-person, online and phone payment options

Discover the purchasing power of Visa® today! Apply for a credit card online or download the application today.

Learn more about our credit card products below or stop by any branch in Huron, Norwalk, Sandusky or Vermilion or call us at 1-800-691-9299 to get started.

Rewards Visa Credit Card

Rewards Card Image

The VacationLand Rewards Visa® Credit Card puts your money to work for you. You can earn ScoreCard® Rewards Bonus Points for every qualifying net dollar you spend with your Rewards Visa.® Those points can be redeemed for cash, merchandise, gift cards and travel, including offers from local attractions like Cedar Point and Kalahari.

Platinum Visa Credit Card

Platinum Card Image

Our Platinum Visa® Credit Card provides a lower Annual Percentage Rate (APR) than our other Visa® products.

PINK Visa Credit Card

Pink Card Image

Get all the power of cash in a conveniently compact piece of plastic and help fund cancer research at the same time.

For each new PINK Visa® credit card we issue, VacationLand Federal Credit Union makes a donation to local cancer charities.

The Pink Visa® credit card is available to both Rewards and Platinum Visa cardholders.

Scorecard Rewards

Make your everyday purchases count with Bonus Points from ScoreCard® Rewards!

VLFCU offers Visa® credit cards that allow you to earn one point for every qualifying net dollar you spend when using your Visa®. Bonus Points can be redeemed for merchandise, travel, gift cards, and even cash! From top brand items, unbelievable vacation getaways, valuable services, to local adventures, ScoreCard® Rewards has it all! We continually update our reward options so you’ll enjoy the latest and greatest choices.

ScoreCard® Rewards are currently available on these VLFCU Visa® Credit Cards:

  • Rewards Visa®Credit Card
  • Pink Visa®Credit Card

Local Rewards

Redeem your points with one of these local businesses.

Cedar PointKalahari ResortsSawmill Creek

Redeem points on your personal credit card for gift cards from national retailers such as:

  • Best Buy
  • JCPenney
  • Kohl’s
  • Bed Bath & Beyond
  • Bass Pro Shop
  • Payless Shoes
  • Land’s End
  • Macy’s
  • Cabela’s
  • Staples
  • Dillard’s
  • Darden Restaurants
  • And More!

Merchandise & Travel

Your Bonus Points can be redeemed for thousands of items on the ScoreCard® Rewards website. Apple, Dyson, Bose, Amazon, and Sony are just a few of the top brands available. If you are dreaming of a vacation, ScoreCard® offers exciting travel options for airfare, cruises, hotels, car rentals, and vacation packages. Talk to one of their customer service agents 24 hours a day, 7 days a week at 1-800-854-0790 (closed major holidays) when you are ready to convert your points into a vacation destination!


Earn extra Bonus Points with offers provided by popular retailers like Macy’s, JC Penney,, and more. Log into to learn more and search for current promotions! New retailers are added to the network often.

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 six 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.