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Credit Cards

Two great options to meet your needs.

Woman with a credit card and pad

Get a Credit Card With Low Rates and No Hidden Fees

At Truliant, our credit cards are designed with you, the cardholder, in mind. Our Platinum Rewards VISA card features perks such as no annual fees, no balance transfer fees and no cash advance fees, while our Transparent VISA card features absolutely no fees of any kind. That means you can enjoy all the great benefits your card offers without stress.

Our credit cards offer competitive rates, worldwide acceptance, short-term solutions, they are mobile wallet friendly, and you get the great service and support that comes with a community credit union. Make that big purchase you've been considering or transfer high-interest balances to your new card with no balance transfer fees and start saving today: you can do it all with a Truliant credit card!

Platinum Rewards VISA

Earn rewards for the purchases you make every day! Every dollar you spend earns you one point, which can be redeemed for merchandise, travel, gift cards, and more. Browse here to see sample items.

  • Credit limits between $500 and $30,000
  • Fees do apply for a foreign transaction (1% of each transaction in U.S. dollars)
  • Late payment ($15.00)
  • Returned payment (up to $25.00)
  • See our Visa Platinum Rewards Card Agreement for additional information

Transparent VISA

Enjoy a credit card that is absolutely fee free: no annual, transaction, or cash advance fees. You won't even be charged fees for late payments!

  • Credit limits between $500 and $30,000
  • No returned payment fee
  • No foreign transaction fee
  • No over the limit fee
  • See our Visa Transparent Card Agreement for additional information

Subject to credit approval.
(1) Advertised Annual Percentage Rate (APR) may change without notice.
(2) Any change in the periodic rate will be effective on the first day of your next billing cycle immediately following a change in the index published in the Wall Street Journal. The interest rate applied to your Account will increase if the Prime Rate increases.

See our Transparent Visa Card Agreement , our Platinum Rewards Visa Card Agreement or our Business Visa Card Agreement .


Credit Card Calculators

What to Know Before Applying for a Credit Card

From knowing how much you should plan to pay off each month to reading a credit report to understanding your credit score (and how to improve it), there's a lot to know and consider before you apply for a credit card.

A credit card offers many benefits that a debit card does not, such as being able to space out the payments on large purchases and rewards for your spending. We want you to make the best and most informed decision for your financial situation. To help guide you towards feeling confident in your decision, the Personal Finance section in our Learning Center offers useful information and resources on credit cards, managing your credit, creditworthiness, debt consolidation and more.

(1) Speak with a representative to learn more about opting-in for text alerts in branches or through Additional Services in Online Banking. Actual time to receive Alerts powered by Visa® dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for alert service may vary by issuer. Additional restrictions apply. Visa does not currently charge for use of the alert service; however, some cell phone carriers may charge fees to send or receive a text message. As a result, message and/or data rates may apply. Please check with your mobile carrier for more information on any applicable fees.

See our Transparent Visa Card Agreement, our Platinum Rewards Visa Card Agreement, our Transparent Visa Card Agreement (previously Classic Variable Rate) if Open Prior to 10.1.20, our Platinum Rewards Visa Card Agreement if Open Prior to 10.1.20, our discontinued Classic Visa Fixed Rate Card Agreement and our discontinued Platinum Visa Fixed Rate Card Agreement for additional information.