Enjoy the purchasing power of VISA by applying for a credit card online at Spirit Financial Credit Union. You’ll get the flexibility and convenience of a VISA Credit Card that’s accepted nearly everywhere around the globe with a low fixed interest rate.

You can also take advantage of our low balance transfer rate*** with no balance transfer fees to transfer the balances of higher interest credit cards and save even more. Plus, enjoy cash back on all of your everyday purchases.

Visa Credit Card Benefits

  • Low Balance Transfer Rate***

  • No Annual Fees

  • No Balance Transfer Fees

  • No Cash Advance Fees

  • No Penalty Interest Rate

  • 1% cash back on all purchases

  • Easy and secure purchases

  • Use it everywhere VISA is accepted

  • $0 Liability for fraudulent transactions

Visa Credit Card Rates

Effective Date (1/1/2019) and Rates Subject to Change.

Card Type APR*
Classic 12.50% Fixed
Platinum 10.90% Fixed

Have questions or want to learn more about our credit card options? Speak with a Spirit Financial loan officer at (267) 580-0230 or stop by our branch.

*** 1.90% Introductory Balance Transfer APR for 12 months from Account opening. After that your APR will be 10.90% or 12.50% depending on the card program. Any existing balances of Spirit Financial Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.


EZ Card Login

Your security is our top concern. Spirit Financial Credit Union uses a Fraud Alert Detection Center to better protect our members. With the Fraud Alert Management detection system, you receive continuous monitoring of your credit and debit card activity to help identify and prevent fraudulent transactions on your account. Before you travel abroad, update your MasterCard debit and Visa credit cards to prevent your card purchases from being declined when you are traveling, call the credit union before you leave. We’ll update our fraud detecting system to allow access from the areas where you are planning to travel.

Fraud Detection

If you receive a message from our Fraud Detection Centers regarding your Credit and/or Debit card, it is in your best interest to save the phone number to your contacts and return the call at the following numbers:

MasterCard Debit Card: (877) 230-3179
Visa Credit Card: (800) 437-9392
To report a lost or stolen VISA credit card: (800) 991-4961
To report a lost or stolen MasterCard debit card: (267) 580-0230
After Hours: (800) 528-2273
To change your PIN number for your MASTERCARD Debit Card: 1-877-265-9594