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 Visa Signature Rewards Card

VyStar Visa Signature Rewards Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

VyStar Visa Signature Rewards Card

  • 17.75% variable based on the Prime Rate and credit history Regular Purchase APR
  • 17.75% variable based on the Prime Rate and credit history Balance Transfer APR
  • 17.75% 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: 17.75% variable based on the Prime Rate and credit history
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 17.75% variable based on the Prime Rate and credit history
  • Cash Advance APR: 17.75% 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 do’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

VyStar Visa Signature Cash Back Card

VyStar Visa Signature Cash Back Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

VyStar Visa Signature Cash Back Card

  • 17.75% variable based on the Prime Rate and credit history Regular Purchase APR
  • 17.75% variable based on the Prime Rate and credit history Balance Transfer APR
  • 17.75% 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: 17.75% variable based on the Prime Rate and credit history
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 17.75% variable based on the Prime Rate and credit history
  • Cash Advance APR: 17.75% 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 Platinum Visa Card

VyStar Platinum Visa Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

VyStar Platinum Visa Card

  • as low as 15.35%, variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • as low as 15.35%, variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • as low as 15.35%, variable based on creditworthiness and the Prime Rate Cash Advance 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 15.35%, variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0%, 1.99% or 2.99% intro APR for 12 months variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: as low as 15.35%, variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: as low as 15.35%, 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 Savings Secured Visa Card

VyStar Savings Secured Visa Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
None Annual Fee

VyStar Savings Secured Visa Card

  • 18.00% variable 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: 18.00% variable
  • 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

 

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.

Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.