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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.

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Visa Signature Card

Reward yourself with our Inspirus Visa® Signature Card

Earn 2% cash back on purchases, plus get 1.99% APR on balances transferred for 18 months (after that, standard variable APR applies).* Learn More

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Visa Platinum Card

Consolidate & save with our Inspirus Visa® Platinum Card

Get 0% intro APR on purchases for 6 months and balance transfers for 12 months (after that our standard variable APR applies).** Learn More

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Current as of 01/01/2020

  Signature rewards card Platinum credit card
Variable Annual Percentage Rate (APR) 12.74% - 20.74% 8.49% - 20.49%
Credit line up to $25,000 $25,000

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 Visa Signature credit card accounts only. 1.99% APR on balance transfers is valid for 18 months from the date of the first qualifying balance transfer. After introductory or balance transfer periods have concluded, the APR will return to the standard rate (currently 12.74% - 20.74% APR).

** 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 8.49% - 20.49% APR).

For Balance Transfers: The promotional APR is valid on transfer of balances currently held elsewhere during the promotional period beginning Jan. 1, 2020; this rate does not apply for payments toward balances currently held by Inspirus Credit Union. Balance transfer transactions are subject to credit availability.

Need help deciding?

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

Benefits**

**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.

Fees

Current as of 01/01/2020

Signature rewards card Platinum credit card
Annual Fees $0 $0
Balance Transfer Fee $0 $0
Foreign Transaction Fee $0 1.00% for eaach 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)