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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
- 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
- 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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Join today!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
- 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: 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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Join today!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
- 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: 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









Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!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
- 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: 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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Join today!You’ve viewed 10 of 4 credit cards
- 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.