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Credit Cards

Partner with us. More purchasing power for you.

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. Get started today!

Reward yourself with our Inspirus Visa® Signature Card

Black credit card with gold text Earn 2% unlimited cash back on every purchase, plus instant access to excellent benefits Apply now Learn more

Consolidate & save with our Inspirus Visa® Platinum Card

White VISA card with text Get 0% intro APR on purchases for 6 months, plus 2% APR on balances transferred for 12 months* Apply now Learn more
 Signature rewards cardPlatinum credit card
Variable Annual
Percentage Rate (APR)
10.75% - 16.75%8.75% - 14.75%
Credit line up to$20,000$20,000
($500 for youth accounts)
*Introductory rate available for new Platinum cardholders. Standard rates apply on cash advances. For Balance Transfers: 2.00% APR only applies to amounts transferred to our Platinum card between September 1, 2018 and December 15, 2018 and will remain in effect for one year from the date of balance transfer. After introductory and promotional periods, standard variable APR applies. Rates effective as of October 1, 2018. All credit cards subject to credit approval. APR is determined by individual creditworthiness. APR will vary after account opening (see Credit Card Agreement for details). Program, rates, terms, and conditions are subject to change at any time without notice. Limit one credit card type per membership.

Need help deciding?

We’ve put together an educational video to help you choose the best credit card for you!


 Signature rewards cardPlatinum credit card
Verified by Visa
Cardholder Inquiry Service
24/7 Concierge Service
Payment Protection
Auto Rental Collision Damage Waiver
Travel & Emergency Assistance
Travel Accident & Baggage Delay Insurance
Warranty Manager Service
Cell Phone Protection
Card Personalization
**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.


 Signature rewards cardPlatinum credit card
Annual Fee$0$0
Balance Transfer Fee$0$0
Foreign Transaction Fees$01% per transaction
Cash Advance Fee2.5% of advance amount2.5% of advance amount

Your Inspirus account includes:

  • Mobile devices iconDigital Banking Platform
  • Visa logo on laptopVisa eStatements