Visa Credit Cards (Copy)
Visa Credit Cards
Access the spending power you need with the Visa credit card to suit your lifestyle! With low, non-variable rates and no annual fee, you can feel financial security in your pocket while building your credit.
Looking to do a balance transfer?
Click here to learn howBenefits of Topside Federal Credit Union Credit Cards
No Hidden Fees
Pay no annual fee and no over limit fee so more of your money goes on your balance.
Low Interest Rates
A competitive, non-variable APR means you'll save on interest so you can purchase more.
Fraud Protection
Relax knowing you have zero liability if your card is lost or stolen and you report it right away.
Visa Credit Card
If you want to control spending with a low interest rate, this is the credit card for you. Enjoy line amounts of $500 to $10,000 on top of many convenient features.
Visa Preferred Credit Card
If you want a generous credit line and a premium rate, this card has your name on it. It offers the same features as our Visa Credit Card plus credit lines from $10,000 to $30,000.
Visa Rewards Credit Card
Enjoy a credit limit between $5,000 and $30,000 and reward yourself with 1.5 points earned per $1 spent on qualifying purchases!**
Credit Builder Credit Card
If you need to establish or repair your credit, all you need to do is make timely payments on your secured credit builder credit card. A credit line of $250 to $6,000 is backed by your savings.
See Our Low Credit Union Credit Card Rates!
Rate as of: 04/07/2026 and subject to change
★★★★★
“Top-level credit union. PERFECT size, large enough to offer competitive loan rates, but small enough to still care about members.”
-Ponderscythe.
Credit Union Credit Cards FAQ
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What will the limit on my card be?
The limit you get will depend on which Topside VISA card you choose and your financial situation. Our limits range from $250 to 30,000.
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What fees do I need to pay?
Our Visa cards have no annual fee and no over-limit fee!
Fees you may pay include:
- 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
As long as you pay your minimum balance on time each month, you won't pay a late payment fee – plus you'll boost your credit score!
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What rates will I get?
The annual percentage rate (APR) you get for your Visa card will depend on which card you choose and your credit score. If you pay your balance off in full each month, you won't have to pay any interest!
Secured cards usually come with higher rates than unsecured cards. Once your credit has improved, you can qualify for an unsecured card with lower rates.
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What protections will I have?
VISA cards come with enhanced fraud protection. You'll have zero liability if your card is used to make unauthorized transactions. Just be sure to report your card lost or stolen as soon as possible.
My Cards lets you turn your cards on and off, set spending limits and get alerts, all from your mobile device.
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Can I transfer my balance from another credit card issuer or financial institution?
Yes, you can! We're happy to help you get on top of your debt with lower rates and personalized member services. You'll need to pay a balance transfer fee of 3% of the transfer or $5, whichever is greater.
The annual percentage rate (APR) you get for your Topside credit card will be the same for balance transfers, cash advances, and all your purchases.
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Do I need to be a member of Topside Federal Credit Union to apply?
Yes, you do – and joining is easy. Become a member and find out more about what we have to offer!
Annual percentage rate may vary depending on individual credit history and underwriting terms. View https://www.topsidefcu.org/credit-card-rates for more information.
*Source: wallethub.com/edu/cc/average-credit-card-interest-rate/50841. Percentage reflected is based on the 7.90% APR Visa Preferred card.
**Qualifying purchases do not include cash advances, balance transfers, convenience checks, or returns.
Disclosures: https://www.topsidefcu.org/important-credit-card-disclosures
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