Visa Credit Cards

Give Your Credit Card Balance a Brighter Future!

Transfer your balance to a Radiant Visa Credit Card and enjoy 0% promotional APR* - then rates as low as 9.49% APR.**

0% interest on transferred balances through June 24, 2027.
No balance transfer fees – keep more of your savings.
No annual fee – another way to save.
Rates as low as 9.49% APR** after the promotional period ends.

*Balance Transfer promotion valid from November 1, 2026, through January 31, 2027. The 0.00% APR promotional rate valid until billing period ending on 06/24/27. No balance transfer fee. Standard rates and finance charges apply to balance other than the transferred balance, such as purchases and cash advance fees. Standard credit card rates are as low as 9.49% APR up to 15.98% APR, and will apply to remaining balance following the promotional period. Balance transfers only permitted from cards not issued by Radiant Credit Union. Minimum aggregate balance transfer amount is $500.00. Balance transfers do not earn rewards points or Dime Back rewards. Card holder is responsible to pay any minimum balances to prevent fees from being incurred on cards prior to transfer of balance to Radiant.

**Radiant Credit Union Visa Platinum Credit Card rates are as low as 9.49% APR and up to 15.98% APR. The rate you receive is based on your creditworthiness, and is subject to credit approval. No annual fee, cash advance fee, or balance transfer fee. Must be a member of Radiant Credit Union and at least 18 years of age. This card is issued by Radiant Credit Union pursuant to a license from Visa® U.S.A., Inc. Other terms and conditions apply. Visa is a registered trademark of Visa International.

Card Type	Rate Type	APR As Low As	Annual Fee	Best For
VISA Platinum Credit Card	Fixed	9.49% APR¹	None	Members who want to take advantage of exclusive benefits and services.
Card Type VISA Platinum Credit Card	Rate Type	Fixed	APR As Low As	9.49% APR¹	Annual Fee	None	Best For	Members who want to take advantage of exclusive benefits and services.

Card Type	Rate Type	APR As Low As	Annual Fee	Best For
VISA Platinum Rewards Credit Card	Fixed	10.99% APR¹	None	Members who want to take advantage of exclusive rewards.
Card Type VISA Platinum Rewards Credit Card	Rate Type	Fixed	APR As Low As	10.99% APR¹	Annual Fee	None	Best For	Members who want to take advantage of exclusive rewards.

Card Type	Rate Type	APR As Low As	Annual Fee	Best For
VISA Secured Credit Card	Fixed	15.98% APR¹	None	Members who want to build or establish credit.
Card Type VISA Secured Credit Card	Rate Type	Fixed	APR As Low As	15.98% APR¹	Annual Fee	None	Best For	Members who want to build or establish credit.

person holding a dime representing radiant's dime back credit card program

Dime Back Rewards

For every qualifying purchase² made with a Radiant Credit Union Visa Credit Card, we will put a dime into your Radiant Credit Union Checking or Savings account.

Mobile Wallet

Radiant Credit Union participates in the following mobile wallets: Apple, Google, Samsung, Fitbit, and Garmin.

Learn More

Card Manager App

The Radiant Card Manager App can help safeguard your Radiant Credit and Debit Cards from fraud, and submit travel notifications.

Learn More

Customer completing a purchase using her Radiant Credit Union rewards credit card, earning points while shopping.

VISA Extras

Visa SRC - An extra layer of security to your online shopping with your Visa.

Visa Purchase Alerts - Get a text or email whenever you pay with your Visa card.

Apply Now

woman smiling as she receives help with her credit card.

Need Assistance?

Call (866) 209-7190 to:
Activate your Card, report a lost or stolen card, audio PIN change, to dispute a debit card transaction or for
Mobile Wallet support.

What's Your Credit Card Interest Rate?

May 22, 2025

Pop Quiz Time – do you know the interest rate on your credit card?

How Your Credit Score Affects Your Mortgage Rate

April 17, 2025

When it comes to getting a mortgage, your credit score plays a bigger role than you might think. It determines the interest rate and loan terms you're offered, making it one of the most important...

What Really Impacts Your Credit Score? A Simple Guide to Everything that Matters

January 3, 2025

Disclosures

1. All information is accurate as of 10/9/24 and is subject to change. The rate you pay is based on your credit worthiness. Please call the credit union at (352) 381-5200 or 1-877-786-7828 for any changes that may be in effect after 10/9/24. This card is issued by Radiant Credit Union pursuant to a license from Visa® U.S.A., Inc. Subject to credit approval.

2. On qualifying purchases. Qualifying purchases do not include balance transfers, cash advances (including purchases of items that can be traded immediately for cash, such as wire transfers, money orders, traveler’s checks), fees, interest charges, or for unauthorized or fraudulent transactions.

Visa is a registered trademark of VISA International.

Terms
Rates & Fees

“I had a wonderful experience with Radiant Credit Union! It’s rare to find a place where you genuinely feel valued as a member, but that’s exactly how I feel here. I truly appreciate all of you — thank you for consistently providing such excellent service!”

Ruthann

“We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency."

Holly

“It's always a pleasure working with Radiant. Everyone is so helpful and informative of possible solutions and opportunities that you may not even know about. I've been a member for many years and look forward to many more. I always feel and know that Radiant is in my corner!”

Jon

Visa Credit Cards

Give Your Credit Card Balance a Brighter Future!

Transfer your balance to a Radiant Visa Credit Card and enjoy 0% promotional APR* - then rates as low as 9.49% APR.**

Transfer your balance to a Radiant Visa Credit Card and enjoy 0% promotional APR* - then rates as low as 9.49% APR**

Limited-Time Balance Transfer Offer: November 1, 2026 – January 31, 2027