VyStar Credit Union Credit Cards

VyStar Credit Union is a leading Florida Credit Union and credit card issuer that offers personal credit cards for everyday use. Browse credit cards below.

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VyStar Savings Secured Visa Card

VyStar Savings Secured Visa Card
  • Regular Purchase APR 13.5% variable based on the Prime Rate
  • Balance Transfer APR 13.5% variable based on the Prime Rate
  • Cash Advance APR 13.5% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Poor , No Credit Required
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: October 21, 2021
Best Benefits
  • No annual fee
  • Credit Limits from $375 to $2,000
  • Uses funds from your VyStar savings account as collateral
Rates & Fees
  • Regular Purchase APR: 13.5% variable based on the Prime Rate
  • Balance Transfer APR: 13.5% variable based on the Prime Rate
  • Cash Advance APR: 13.5% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $375
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VyStar Platinum Visa Card

VyStar Platinum Visa Card
  • Regular Purchase APR 9.1%, 10.5%, or 13.5% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.1%, 10.5%, or 13.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 9.1%, 10.5%, or 13.5% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: October 21, 2021
Best Benefits
  • No annual fee
  • Low interest rate
  • Introductory APR on balance transfers for the first year
  • Set and remove your own travel notices
Rates & Fees
  • Regular Purchase APR: 9.1%, 10.5%, or 13.5% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0%, 1.99%, or 2.99% for 12 months based on creditworthiness
  • Balance Transfer APR: 9.1%, 10.5%, or 13.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 9.1%, 10.5%, or 13.5% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
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20% off purchases on participating websites TREASURY WINE ESTATES Offer Expires on Aug 08, 2022 See Details
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$130 off plus free shipping at Green Chef Green Chef Offer Expires on Dec 12, 2022 See Details
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VyStar Visa Signature Cash Back Card

VyStar Visa Signature Cash Back Card
  • Regular Purchase APR 9.5% variable based on the Prime Rate
  • Balance Transfer APR 9.5% variable based on the Prime Rate
  • Cash Advance APR 9.5% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: October 21, 2021
Best Benefits
  • Earn 3% cash back on gas, 2% on groceries, and 1% on all other purchases
  • Redeem for statement credits or in the Cash Back Mall
  • No annual fee
  • Visa Signature Concierge
Rates & Fees
  • Regular Purchase APR: 9.5% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 9.5% variable based on the Prime Rate
  • Cash Advance APR: 9.5% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
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$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on Dec 12, 2022 See Details
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20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on Dec 12, 2022 See Details
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20% off + Free Shipping on orders of $49+ Fanatics.com Offer Expires on Aug 08, 2022 See Details
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$130 off plus free shipping at Green Chef Green Chef Offer Expires on Dec 12, 2022 See Details
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Employee pricing with everyday savings up to 35% HP INC. Offer Expires on May 05, 2022 See Details
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Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Dec 12, 2022 See Details
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Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on Dec 12, 2022 See Details
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Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

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VyStar Visa Signature Rewards Card

VyStar Visa Signature Rewards Card
  • Regular Purchase APR 9.5% variable based on the Prime Rate
  • Balance Transfer APR 9.5% variable based on the Prime Rate
  • Cash Advance APR 9.5% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: October 21, 2021
Best Benefits
  • Earn 3 rewards points for every $1 spent on gas; 2 points for every $1 spent on groceries; 1 point for every $1 spent on other qualified purchases
  • No annual fee
  • Visa Signature Concierge
Rates & Fees
  • Regular Purchase APR: 9.5% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 9.5% variable based on the Prime Rate
  • Cash Advance APR: 9.5% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
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$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on Dec 12, 2022 See Details
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20% off purchases on participating websites TREASURY WINE ESTATES Offer Expires on Aug 08, 2022 See Details
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20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on Dec 12, 2022 See Details
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20% off + Free Shipping on orders of $49+ Fanatics.com Offer Expires on Aug 08, 2022 See Details
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$130 off plus free shipping at Green Chef Green Chef Offer Expires on Dec 12, 2022 See Details
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Employee pricing with everyday savings up to 35% HP INC. Offer Expires on May 05, 2022 See Details
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Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Dec 12, 2022 See Details
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Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on Dec 12, 2022 See Details
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Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

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Please Note: The details of the offer(s) shown above should not be taken as a guarantee that you will receive the discount/rewards/offer mentioned above. Any information about combined offers and/or rewards should be taken as an estimate only. You may be responsible for completing certain steps at the merchant’s checkout page. Please read the merchant’s full terms and conditions for details.

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About VyStar Credit Union

VyStar is a Florida-based credit union. The bank has its headquarters in Jacksonville, where it also houses many of its branches.

The bank traces its roots back to the Jax Navy Federal Credit Union, opening with just 12 members and $60 in assets in April 1952. Since its humble origins at the Jacksonville Air Naval Station, the credit union now known as VyStar has grown to be Northeast Florida’s largest mortgage lender.

To date, the bank has over $9 billion in assets and 700,000 members, making it the 16th largest credit union in the nation.

The bank also offers a variety of credit lines and credit cards for everyday use. VyStar Visa credit cards offer credit building, excellent APR, and rewards points through the UChoose Rewards program. The VyStar Savings Secured Visa is one of the best credit union credit cards for people with bad credit or no credit history at all.

Branch Locations

VyStar Credit Union currently operates 59 full-service branches in and around the Jacksonville area. The credit union also has 16 high school branches.

The bank offers approximately 230 owned and operated ATMs in Northern and Central Florida, plus an additional 20,000 charge-free ATMs throughout North America. These surcharge fee ATMs operate under the CO-OP ATM banner, uniting credit union members through the U.S. and Canada.

Who Can Join VyStar Credit Union?

Membership is open to anyone who lives, works, worships, or attends school in several Florida and South Georgia counties. Membership is also open to businesses, churches, clubs, or organizations within those same counties, as well as blood relatives of existing VyStar members.

The following Florida counties are eligible for membership:

  • Alachua
  • Baker
  • Bay
  • Bradford
  • Brevard
  • Calhoun
  • Citrus
  • Clay
  • Columbia
  • Dixie
  • Duval
  • Escambia
  • Flagler
  • Franklin
  • Gadsden
  • Gilchrist
  • Gulf
  • Hernando
  • Hamilton
  • Hillsborough

 

  • Holmes
  • Jackson
  • Jefferson
  • Lafayette
  • Lake
  • Leon
  • Levy
  • Liberty
  • Madison
  • Marion

 

  • Nassau
  • Okaloosa
  • Orange
  • Osceola
  • Pasco
  • Pinellas
  • Polk
  • Putnam
  • Santa Rosa
  • Seminole
  • St. johns
  • Sumter
  • Suwannee
  • Taylor
  • Union
  • Volusia
  • Walton
  • Wakulla
  • Washington

 

The following Georgia counties are eligible for VyStar membership: Camden, Charlton, Glynn, and Ware.

Branch Locations

Frequently Asked Questions

  • Yes and no. VyStar physical branches are located solely in Florida, but membership is open to some GA residents. These residents can use mobile and online banking service, or visit an affiliated CO-OP ATM.

Yes. The bank is the 4th largest lender in NE Florida, with over 700,000 happy members. It’s also the largest mortgage lender in the area. In addition,  VyStar money market accounts perform 59% better than the national average.

  • If you live in Camden, Charlton, Glynn, or Ware county GA, you can join.
  • Like other credit unions, VyStar is not FDIC insured. Instead, the bank is insured through the National Credit Union Share Insurance (NCUSIF). The NCUSIF) is part of the National Credit Union Administration (NCUA). This organization provides up to $250,000 in insurance for the member’s accounts.

More Information

For more information on credit unions like VyStar, visit our dedicated Credit Unions Credit Cards listing page. This page provides easy access to in-depth card reviews from leading unions across the country.

This page also offers more information about the value credit unions offer. These perks include some of the lowest interest rates you’ll pay nationwide, rewards like gas, grocery and restaurant rewards, and travel perks.

For those interested secured credit cards, like the VyStar Savings Secured Visa, we also have excellent resources on building your credit and managing your credit score These resources are found on our Credit Needed landing pages: particularly Bad Credit and No Credit, plus our dedicated Secured Credit Cards listings page.