Visa® Credit Cards

We would like to tell you that our cards are unbeatable, but our compliance department says that we can't say that. So let's just call them awesome. We know you will. Compare these credit card options to whatever you have today and you’ll find a card that provides ongoing value without excessive annual fees or tricky penalties.

Visa

  • Classic

    For those in need of a basic credit card, the TwinStar Classic card is for you. The Classic card is a great way to establish a solid credit score. Parents – contact TwinStar Credit Union and we’ll help set up a Classic account for you teenage kids that will lay the foundation for their future borrowing needs.

    Purchase APR

    11.00% APR Variable

    Introductory APR

    1.90% Fixed

    Balance Transfer APR

    8.00% APR Variable

    Cash APR

    14.00% APR Variable

    Annual Fee

    None
  • Platinum

    The Platinum Visa from TwinStar is the best option for members with established credit. Higher limits and lower rates make this the perfect card to carry everywhere. This card is also a great solution to those Members wanting to move balances away from other high-rate cards. Now enhanced with EMV chip technology to keep your transactions secure.

    Purchase APR

    9.00% APR Variable

    Introductory APR

    1.90% Fixed

    Balance Transfer APR

    6.00% APR Variable

    Cash APR

    12.00% APR Variable

    Annual Fee

    None
  • Platinum Rewards

    The Platinum Rewards card from TwinStar is designed for our members who want to earn rewards with each eligible purchase. Your rewards can be used for airline tickets with no blackout dates and few restrictions AND a whole lot more!

    Book hotel rooms and cruises, purchase merchandise and gift cards and even make charitable donations with your accumulated points.

    Purchase APR

    10.00% APR Variable

    Introductory APR

    1.90% Fixed

    Balance Transfer APR

    7.00% APR Variable

    Cash APR

    13.00% APR Variable

    Annual Fee

    $25

* APR = Annual Percentage Rate. All rates based on approved credit.

Method of Balance Computation: Average Daily Balance (including current purchases)
Grace Period: 21 days
Minimum Payment: 3% of the balance or minimum $25 whichever is greater.
Late Payment Fee: Payments more than 4 days past due will be charged $20.00
Lost Card Replacement Fee: $5.00

The fixed introductory rate applies to new purchases posted to a new Visa® account for 180 days from the account open date. Your rate for purchases and unpaid balances after the 180-day introductory period will be adjusted to non-introductory rates.

Rates are subject to change quarterly. The index is The Wall Street Journal Western Edition Prime Rate as of: February 28; May 31; August 31; November 30 of each calendar year, plus the margin. Rates are subject to change: March 10; June 10; September 10; and December 10 of each calendar year.

For full printable disclosure and card agreement, Click here