Credit Cards
Low Rates, No Surprises
Enjoy a better credit card experience with Options Credit Union. Our Visa credit cards offer low, non-variable interest rates and no annual fees.
Why Choose Options Credit Union?
At Options Credit Union. we offer a VISA credit card designed for simplicity and affordability. With a non-variable interest rate starting as low as 10.90%, you can enjoy consistent rates without unexpected fluctuations. Options Credit Union VISA Credit Cards offers low rates, minimal fees, and tools to help you stay in control.
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No Annual Fee: Enjoy the benefits of our Visa credit card without any annual charges.
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Non-variable Interest Rate: Benefit from a stable, non-variable interest rate, providing predictability in your financial planning.
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Low Fees: Take advantage of low, fixed fees for balance transfers ($6.95) and cash advances ($2.00)
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No Over-the-Limit Fees: Spend with confidence, knowing you won't incur over-the-limit charges.
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Card Suite App: Manage and protect you card with the Card Suite Lite app, offering features like transaction alerts and the ability to turn your card on or off.
Experience the Options Credit Union difference - where your financial goals drive our commitment to exceptional service. Gain access to a full suite of financial products and services tailored to your goals when you become a member.
All rates are accurate as of 09/02/2026, subject to change.
APR is the Annual Percentage Rate.
Tier | Rate Range | Max Limit |
|---|---|---|
A+ and A | 10.90%-12.90% | up to $15,000 |
B and C | 14.90%-16.90% | up to $8,000 |
D and E | 18.90%-21.00% | up to $1,500 |
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The approved rate and limit is based on income, credit score, and other qualifying factors.
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Programs, rates, terms and conditions are subject to change without notice.
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The applicable rate will be provided upon completion of a credit card application.