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VyStar Savings Secured Visa Card
VyStar Savings Secured Visa Card
- 13.5% variable based on the Prime Rate Regular Purchase APR
At a Glance
The VyStar Savings Secured Visa Card is a secured credit card that actually earns interest on the money sued as collateral. The card, offered by VyStar Credit Union in Florida, features a low, fixed-rate APR, no annual fee, and no fees for foreign transactions, balance transfers, or cash advances. This nice package makes it one of the best secured credit union credit cards available today.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Credit Limits from $375 to $2,000
- Uses funds from your VyStar savings account as collateral
- Regular Purchase 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: $500
- You already bank with VyStar Credit Union
- You want to rebuild your credit score
- You are new to credit, or are a student
- You like the flexibility to use your card abroad without fear of additional fees
VyStar Platinum Visa Card
VyStar Platinum Visa Card
- As low as 13.35% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The VyStar Platinum Visa Card is a basic, straightforward low APR and balance transfer credit card from VyStar Credit Union in Florida. The card features the credit union’s lowest variable APR on purchases, balance transfers, and cash advances, as well as a special introductory rate on balance transfers for the first 12 months, depending on the creditworthiness of the applicant.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Low interest rate
- Introductory APR on balance transfers for the first year
- Set and remove your own travel notices
- Regular Purchase APR: As low as 13.35% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You already bank with VyStar Credit Union
- You live in Central of Northeast Florida
- You plan to finance a large purchase, carry a balance or transfer over existing card balances
- You have a good, but not great, credit score
- You don’t want to pay an annual fee
VyStar Visa Signature Cash Back Card
VyStar Visa Signature Cash Back Card
- 13.75% variable based on the Prime Rate and credit history Regular Purchase APR
- 13.75% variable based on the Prime Rate and credit history Balance Transfer APR
- 13.75% variable based on the Prime Rate and credit history Cash Advance APR
At a Glance
The VyStar Visa Signature Cash Back Card is a solid cash back credit card from VyStar Credit Union in Central and Northern Florida. The card earns 3% back on gas, 2% back on groceries, and 1% back on everything else. The card also boasts 0% intro APR on balance transfers for the first year, no annual fee, and no fees for balance transfers, cash advances, or foreign transactions.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 13.75% variable based on the Prime Rate and credit history
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 13.75% variable based on the Prime Rate and credit history
- Cash Advance APR: 13.75% variable based on the Prime Rate and credit history
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You already Bank with VyStar Credit Union
- You prefer automatic cash back redemptions over hoarding points
- You don’t want to pay an annual fee
VyStar Visa Signature Rewards Card
VyStar Visa Signature Rewards Card
- 13.75% variable based on the Prime Rate and credit history Regular Purchase APR
- 13.75% variable based on the Prime Rate and credit history Balance Transfer APR
- 13.75% variable based on the Prime Rate and credit history Cash Advance APR
At a Glance
The VyStar Visa Signature Rewards Card is a low APR rewards credit card that also doubles as a great balance transfer card. The card earns 3X points on gas, 2X points on groceries, and 1X points on everything else. It also benefits from a special 0% intro APR on balance transfers for the first 12 months, no fees on balance transfers or cash advances, no foreign transaction fee, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 13.75% variable based on the Prime Rate and credit history
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 13.75% variable based on the Prime Rate and credit history
- Cash Advance APR: 13.75% variable based on the Prime Rate and credit history
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You already bank with VyStar Credit Union
- You want an everyday credit card to earn rewards on your daily commute and weekly shopping
- You don’t want to pay an annual fee
- You want to transfer over existing credit card balances to quickly pay them down at a lower rate
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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.