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Cards: Visa Credit Card


Visa Credit Card

Rates as low as

9.90% APR *



A woman is sitting at a cafe table paying for an online order with her Visa Credit Card.


Top Benefits of Your Visa Credit Card


One Simple Rate

Our non-variable interest rate is the same across purchases, balance transfers, and cash advances.

No Hidden Fees

No annual fee, no fee if you go over your limit from time to time, and no default rate if you miss multiple payments.

Fraud Protection

You'll have zero liability if your card is lost or stolen. Just report suspicious activity and we'll help you right away.

24-Hour Access

Use Online or Mobile Banking to keep track of your account whenever you want from wherever you are.

See Our Generous Visa Credit Card Rates

Effective as of 05/30/2023 and subject to change.

  Visa Credit Card
Credit Amount $500 - $10,000
Fees No Annual Fee
Balance Transfer Fee: 3% of the transfer or $5, whichever is greater
Late Payment Fee: up to $20
International Transaction Fee: 1% of each foreign currency transaction; .80% of each US dollar transaction in foreign countries
Stop Payment Fee for credit transaction: $32
Card reissue Fee: $10 per card, one free per calendar year
Express Card Fee: $50 per request
We also have instant issue credit & debit cards in all of our branches. The card reissue fee applies to these products while the $50 Express Card Fee does not.
Annual Percentage Rate 9.90%
Purchases 9.90%
Balance Transfers 9.90%
Cash Advances 9.90%


View Rates


Visa Credit Card

This straightforward, low-interest card is ideal for shopping in-store and online, taking care of extra expenses, and building credit for the next stage in your financial journey.

Apply Now
A woman sitting at a cafe table using a Topside VISA Credit Card to pay for her order.




“Great service. Very user-friendly app that allows quick transactions.”

-Nathan F.



Bonus Features of a VISA Credit Card

No Annual Fee

As a credit union, we give revenue back to you through no-fee, low-interest credit cards.

Online & Mobile Banking

Access your information, make payments, and transfer funds anytime, anywhere.

No Over-Limit Fee

It shouldn't be a big deal if you run over your balance, and we won't penalize you for it.

Non-Variable Rates

Enjoy the same low APR on purchases, cash advances, and balance transfers.

Low Minimum Payment

Feel free to just meet the minimum those months you don't pay your balance in full.

Protection From Fraud

If your card is lost or stolen and used for fraudulent purposes, you'll have zero liability.


Topside Federal Credit Union Contact Options



FAQs About Our Visa Credit Card



More Helpful Credit Card Offers and Resources

Visa Account Updater

Merchants can automatically get your new details if your card is reissued, lost, stolen, or compromised.

Learn More

Visa Checkout

Save time when you shop online. Enter your details once, then use a single, secure log-in to make purchases from any device.

Learn More

Visa Check Cards with ScoreCard® Rewards

Get rewards for the everyday purchases you put on your debit card.

Learn More

Balance Transfers

Pay down high-interest debt and enjoy one simple monthly payment at a non-variable rate.

Learn More






Ready to Get Pre Approved for a VISA Credit Card?

It’s time to drive off in your dream car. Apply now or contact us with questions. We’re always here to help.




*Annual percentage rate may vary depending on individual credit history and underwriting terms. View for more information on our rates and visit for important credit card disclosures..