Skip Navigation

DO NOT FALL VICTIM TO FRAUD - Fraudsters are calling and sending text messages claiming to be from Truliant. Learn how to protect yourself on our security page.

Site Logo

Credit Cards

Two great options to meet your needs.

Apply Online Today
Woman with a credit card and pad

Increase your spending power with a Truliant VISA® Credit Card.

  • Earn great rewards
  • No annual or balance transfer fees
  • Compatible with your mobile wallet
  • 25-day grace period on purchases

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.

Both cards feature VISA Purchase Alerts, a service where you can sign up to receive text messages2 to help protect against unauthorized purchases, and can be easily managed online via Online Banking and our Tru2Go® mobile app.

Our credit cards offer short-term solutions and long-term value. 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!

See What You Can Save by Consolidating Your Credit Cards

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.

Visit the Learning Center

Truliant VISA Options

Truliant's credit cards offer competitive rates, worldwide acceptance, and the great service and support that comes with a community credit union.

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, cash back, and more.

  • Low variable APR1
  • Credit limits between $500 and $30,000
  • Mobile Wallet friendly
  • 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!

  • Low variable APR1
  • 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
Mom high fiving with daughter

Manage Your Credit Card Online

You're busy enough as it is without having to worry about sorting through paper credit card bills and statements. That's why Truliant allows you to easily access and manage your credit card accounts in the Credit Card section of our Online Banking and our Tru2Go mobile app. You can make payments, view your account history, review transactions and more - all from the convenience of your phone or personal computer. (Don't worry: we still offer paper statements too if that's what you prefer!)

Other Loan Resources

Other Products

Couple sitting at a table with bills and laptop

Debt Consolidation Loans

Take control of your financial future with a debt consolidation loan from Truliant.

Learn More
Man taking a bike ride with his son

Personal Loans

Large purchases, unplanned expenses, overdue vacations: fund your life with a personal loan.

Learn More
Woman receiving packages at a business

Business VISA Credit Card

Take your business to the next level with a credit card that offers low rates, no annual fees, worldwide acceptance and so much more.

Learn More

(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) 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 Introductory Rate Transparent Visa Card Agreement, our Introductory Rate Platinum Rewards Visa Card Agreement, 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.