Visa Preferred Credit Card (Copy)
All the Benefits of a Preferred Visa
Generous Credit Line
Pay for everything you need and want with a limit between $10,000 and $30,000.
Non-Variable Interest
Relax knowing your low APR will stay the same no matter what happens in the market.
Enhanced Fraud Protection
If your card is lost or stolen, just report the suspicious activity and you'll have zero liability.
Save Money on Fees
We won't charge you an annual fee or over-limit fee, and there's no default rate if you're running late.
See the Competitive Rates on Our Preferred Visa
Effective as of 04/07/2026 and subject to change.
Preferred Visa
For people who know what they want and how they will get it, a Preferred Visa is a credit card that comes with a generous credit line and premium rates.
Take advantage of a low minimum payment and enjoy the same APR on purchases, balance transfers, and cash advances.
Our app lets you turn your cards on and off, set spending limits and get alerts, all from your mobile device. What more could you need?
★★★★★
“Top-level credit union. PERFECT size, large enough to offer competitive loan rates, but small enough to still care about members.”
Enjoy These Great Features of Your Preferred Visa
Competitive Rates
We run on a not-for-profit business model so we can give you lower rates and fewer fees.
Low, Fixed APR
You'll pay the same great rate on balance transfers, cash advances, and your purchases.
Easy 24/7 Account Access
Use Online and Mobile Banking to look up details, make payments, transfers, and more.
Affordable Payments
A low minimum monthly payment makes it easy for you to stay on track.
Up to $30,000 Limit
Starting at $10,000, a generous credit line means you'll always have everything covered.
Zero Fraud Liability
You won't be accountable if your card is lost or stolen and used for fraudulent purposes.
FAQs About Our Preferred Visa
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WHAT'S THE CREDIT LIMIT ON MY PREFERRED VISA?
The generous credit limit is one of the best things about a Preferred Visa! Our limits start at $10,000 and top out at $30,000 – so you can get access to all the funds you need.
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DO I HAVE TO PAY AN ANNUAL FEE ON MY Preferred Visa?
No, our Preferred Visa has no annual fee and no over-limit fee.
Other fees include a balance transfer fee (just 3% of the transferred balance, or $5 – whichever is the higher value) and a small foreign transaction fee ( just 1.00% for each foreign currency transaction and 0.80% for transactions in U.S. currency).
Be sure to pay your minimum balance on time each month to avoid a late payment fee. The other benefit of always paying on time is that it will boost your credit score!
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HOW MUCH INTEREST WILL I PAY EACH MONTH?
The annual percentage rate (APR) you get will be based on your credit score. If you pay your balance off in full each month, you won't have to pay any interest.
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CAN I TRANSFER MY CREDIT CARD BALANCE FROM ANOTHER LENDER TO MY TOPSIDE PREFERRED VISA?
Yes, you can. And the good news is, the annual percentage rate (APR) you get for your Preferred Visa will be the same for balance transfers, cash advances, and all your purchases.
More Useful Visa Products and Services
Visa Account Updater
Merchants can automatically get your new details if your card is reissued, lost, stolen, or compromised.
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.
Visa Debit Cards with uChoose Rewards®
Get rewards for the everyday purchases you put on your debit card.
Balance Transfers
Pay down high-interest debt and enjoy one simple monthly payment at a non-variable rate.
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