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Credit Cards

Introductory rate of3.90% APR1 for 6 months.2  After that, your rate will be 9.24% APR.

Truliant Visa Credit Cards

Enjoy great low rates on Truliant VISA® Credit Cards

  • Earn great rewards with the Platinum Rewards VISA® credit card
  • No annual or balance transfer fees
  • Mobile wallet friendly
  • Convenient, fast online application
Woman holding Truliant Transparent credit card

Introductory Rate on Our Transparent VISA Credit Card

To celebrate, and just in time for the holidays, we are offering an introductory rate of 3.90% APR on purchases, balance transfers and cash advances for the first six months that your new Transparent card account is open.2 Now you can buy that special gift and save with our limited time promotional rate of 3.90% APR.

Once you say “yes” to a Truliant VISA credit card, get ready to hear “no” a lot. Our Transparent card features absolutely no fees of any kind. Our Platinum Rewards card features no annual fees, no balance transfer fees and no cash advance fees.

Enjoy great benefits with your Truliant VISA credit card.

Both cards feature VISA Purchase Alerts, a service where credit card holders sign up to receive text messages to help protect against unauthorized purchases.3

With great rates 100% of the time, no fees on the Transparent card, extra security against potential fraud, the convenience of paying with your phone, options for rewards and much more, our credit cards offer short-term solutions and long-term value. The application only takes a few minutes.

What should you expect when applying for a credit card?

  1. Apply at one of our branches, over the phone or online using our quick, convenient digital application, available virtually anywhere.

  2. Once you apply, we will make a decision within two business days.

  3. If you are approved, you will receive your new card in the mail within 5-7 business days. If you already have a Truliant credit card, if approved for an increase in limit, your new limit will be available as soon as a decision is made.

  4. Use your credit card wherever VISA is accepted.

What should I know before applying for a credit card?

Credit cards can be a great way to earn rewards, like cash back, on your everyday purchases. With a Truliant credit card, you can enjoy great rewards with added perks.

What fees are associated with Truliant credit cards?

Transparent VISA® Credit Card
Our Transparent credit card features absolutely no fees (no annual fee, no balance transfer fees and no cash advance fee, no late payment fee, no returned payment fee, no foreign transaction fee and no over the credit limit fee).

Platinum Rewards VISA® Credit Card
Our Platinum Rewards credit card has no annual fee plus no fees on balance transfer, cash advance and over the credit limit. It does have fees for foreign transaction (1% of each transaction in U.S. dollars), late payment ($15.00) and returned payment (up to $25.00).

What credit score do I need to apply for a Truliant credit card?

There is never a limit on what your credit score needs to be in order to apply, and applying for a credit card is quick and simple. Get started by applying for yours today!

What credit cards do you offer?

Transparent VISA® Credit Card

Get a great rate and no fees all the time – no opting in or out or shopping categories to remember. In addition, our Transparent VISA features our lowest rate, a credit limit up to $30,000, and it’s mobile wallet friendly – so you can pay with your phone. See our Visa Transparent Card Agreement for additional information. 

Platinum Rewards VISA® Credit Card

In addition to one of the lowest rates out there for a Rewards card, our Platinum Rewards VISA features rewards on everyday purchases that you can use for cash back, merchandise or travel. Members earn a point for every dollar spent – so points can really add up. And, like our Transparent VISA, there is no annual fee, no balance transfer or cash advance fees, credit limits up to $30,000 and much more. See our Visa Platinum Rewards Card Agreement for additional information.

man reviewing financial information

How to Improve Your Credit Score

While a poor credit score can certainly make life more difficult, don’t get discouraged. While increasing your score takes time, even small steps will help you get there more quickly. Simply making a plan and making payments on time, even just the minimum, all immediately help build your score back up.  

Learn some great tactics to use to increase your credit score today.

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Debt Consolidation Loans

Take control of your debt with a debt consolidation loan at Truliant.

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Personal Loans

Consolidate debt, make a large purchase or take a vacation with a personal loan or line of credit.

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Truliant Home Equity Lines and Loans

Home Equity

Make your home work for you through home improvements to unexpected bills.

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Business VISA Credit Card

Enjoy worldwide acceptance, a low rate, no annual fee and so much more.

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(1) APR = Annual Percentage Rate. Rates and terms are subject to change. Loans are subject to credit approval.  International exchange rates are 1% per transaction and apply to the Platinum Rewards card only. Visa® Transparent variable rate = Prime + 5.99%. Visa® Platinum Rewards variable rate = Prime + 8.74%. ​
(2) Promotional introductory rate of 3.90% APR applies to new Transparent accounts only. Transparent card account must be open between October 1 - December 31, 2020 to be eligible for the promotional rate. Promotional rate is only applicable on purchases, balance transfers and cash advances for the first six months from the time the account is open. After that, the variable APR will be 9.24% (Prime + 5.99%). This APR will vary with the market based on the Prime Rate.

(3) 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 Visa Transparent Card Agreement, our Visa Classic Card Agreement, our Visa Platinum Rewards Card Agreement prior to 10.1.20 or our Visa Platinum Rewards Card Agreement as of 10.1.20 for additional information.