Whether you’re new to credit or well-versed, it’s important to have a card that benefits you. With an Inspirus credit card, members automatically benefit from our competitively low rates and no annual fee. Plus, it’s easy to monitor your spending and manage your account with our Digital Banking Platform.
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Reward yourself with our Inspirus Visa® Signature Card
Earn 2% cash back on all purchases, including groceries, travel, dining, subscription services, clothes, utilities, gas, etc.* Learn More
All credit cards are subject to credit approval. APR is determined by individual creditworhtiness. Programs, rates, terms, and conditions are subject to change at any time without notice. Limit one credit card type per membership.
** Offer valid on new Visa Platinum credit card accounts only. For qualifying new accounts, introductory rate is valid for all purchase transactions for 6 months from the date the account is opened, and balance transfer rate is valid for 12 months from the date of the first qualifying balance transfer if completed within the first 60 days the account is opened. After introductory or balance transfer periods have concluded, the APR will return to the regular rate (currently 6.99% - 18.99% APR).
Need help deciding?
We’ve put together an educational video to help you choose the best credit card for you!
**Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.
Current as of 01/01/2020
Signature rewards card
Platinum credit card
Balance Transfer Fee
Foreign Transaction Fee
1.00% for each transaction in a foreign currency; 0.80% for transactions occurring in a foreign country
Cash Advance Fee
2.5% of advance amount (minimum $5)
2.5% of advance amount (minimum $5)
Your Inspirus account includes:
Digital & Mobile Banking
Use your desktop or web-enabled smartphone for an easy and more secure way to do all your banking through our Digital Banking Platform. For even more convenience, download our mobile app for access to your accounts anytime, anywhere.
For mobile banking:
Login credentials match your current Digital Banking credentials.
iPhone App is compatible with iPhone, iPod Touch, and iPad. Requires iOS 4.0 or later.
Android App requires Android 2.0 and up.
Easily download the following apps, then set up mobile banking.
Sign up for Visa eStatements and receive your credit card statements online where they are available to you at any time. You’ll have an accurate record of transactions and current balance on-hand, which will allow you to use your Inspirus Credit Card with confidence. Plus, reduce paper waste, mail fraud, and identity theft.
Quick and easy enrollment process*:
Simply register your Visa card within Digital Banking.
Select the Visa eStatement tab, then follow the simple instructions.
*During the first two billing statement cycles after enrollment, you’ll receive both paper statements and eStatements. After that, you’ll receive eStatements only.
Visa® Account Updater
We’ll help keep your card information updated! When you save your Inspirus Credit or Debit card for things like bill payments and online purchases, we can help update it automatically if your payment info changes.
So if your card is re-issued or your expiration date changes, you may not have to update your payment info with every biller and merchant where you have it saved.*
Skip the hassles of re-entering or resubmitting your payment info
Avoid declined payments and service interruptions
Count on Inspirus to keep your card info secure
It’s just one more reason your Inspirus Visa card is the easy way to pay for everything from your morning coffee to your monthly cable bill.
*Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.
Inspirus members are automatically enrolled. When making an online purchase from a participating merchant, you’ll be asked to activate Verified by Visa for your Inspirus Visa debit card. Simply verify your identity and create a unique password that you’ll use to make secure transactions. That’s it!
Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions.
24/7 Concierge Service
Wherever your travels take you, this complimentary service can help plan your trip, book dinner reservations, and find sports or entertainment tickets.
In the event of an emergency, you can get connected to local emergency and assistance resources available when you are away from home.
Travel Accident & Baggage Delay Insurance
Use your Platinum Card the next time you travel and you and your family will be automatically insured. That means less worrying about lost luggage and more peace of mind should an untimely accident occur.
Traveling? Don’t forget to notify us! 1-866-820-4927
Warranty Manager Service
Provides you with valuable features to help manage, use, and even extend the warranties of eligible items purchased with your card. You can access these features with a simple toll-free call. Services include Warranty Registration and Extended Warranty Protection.
Cell Phone Protection
Cardholders will be reimbursed for damage to or theft of an eligible Cellular Wireless Telephone.
Create a card that is uniquely you for only $10. Choose your favorite photo or select from a gallery of pre-designed images. Crop, rotate, or flip your photo selection for the desired look.