Benefits of a Visa® Credit Card
Get extras and rewards when you get your Visa credit card through Radiant!
Rewards
Dime Back1 and Platinum Rewards put money back in your bank account (along with other extras!)
No Annual Fees
Radiant Visa Credit Cards have no annual fee.
Convenience
Manage your account from anywhere with the Card Manager App, as well as Online and Mobile banking
Low Rates
Visa Platinum Rewards and Platinum cards have great rates as low as 9.49% APR.3
Platinum Credit Card Rates
|
CARD TYPE |
RATE TYPE |
APR AS LOW AS |
ANNUAL FEE |
BEST FOR |
|
VISA Platinum Credit Card |
Fixed |
9.49% APR3 |
None |
Members who want to take advantage of exclusive benefits and services |
Visa Platinum Rewards Rates
|
CARD TYPE |
RATE TYPE |
APR AS LOW AS |
ANNUAL FEE |
BEST FOR |
|
VISA Platinum Rewards Credit Card |
Fixed |
10.99% APR3 |
None |
Members who want to take advantage of exclusive rewards |
Visa Secured Credit Card Rates
|
CARD TYPE |
RATE TYPE |
APR AS LOW AS |
ANNUAL FEE |
BEST FOR |
|
Visa Secured Credit Card |
Fixed |
15.98%3 |
None |
Members who want to build or establish credit |
1On 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.
3 Subject to credit approval. 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.
®Visa is a registered trademark of Visa International.
VISA Card Benefits
I just wanted to take a moment and thank Miss Gina at Radiant Credit Union!!!! I'm currently abroad and had an issue with my card. Miss Gina was very helpful, kind and patient with me and she helped fix the issue in a short amount of time. She even took a moment at the end of our phone call to calm me down and made sure everything was OK. The world needs more people like her. THANK YOU SO MUCH GINA.
Valentina E.
Credit Card FAQs
What determines if my credit card application will be accepted?
We’ll look at your credit report to see your credit history and credit score. Then, if you’re approved, you’ll find out your card rate based on your credit.
Borrowers who are interested in growing or establishing credit who apply for a Secured card will be required to secure their account with personal property or money.
How long will it take to receive my credit card?
You’ll receive your Visa® credit card within 5-7 business days after your application is accepted.
What happens if I am late on a payment?
You will be charged a late payment or returned payment fee of up to $35.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
If you are 11 or more days late on your payment, a typical late fee is $25.00 or the amount of the required minimum payment, whichever is less.
You will be charged a late fee of $35.00 if you are late on payments in any of the six billing cycles after your first initial late payment, or the amount of the required minimum payment, whichever is less.
Can my card be replaced if lost?
For a $15 fee, we will replace your credit card.
What is the APR for balance transfers and cash advances?
The annual percentage rate (APR) for both remains at the same APR as for purchases.
Can I make credit card payments online?
You can use our online and mobile banking features to make on-time payments on your credit card balance. Access your Radiant CU accounts with any device, manage and view your transaction histories, review your eStatements, and more.
With our Mobile Wallet feature, you can also use your devices to make contactless transactions at any place that offers the option.
Our Card Manager app allows you to protect your accounts by restricting transactions, suspending your card, setting purchase alerts, setting travel notifications, and setting transaction limits.
Finally, we offer free online bill pay for ultimate convenience.
What other borrowing options are available to Radiant CU members?
In addition to our credit cards, we also offer the following loans:
- Auto and recreational vehicle loans
- Personal loans
- Home loans
- Business loans
Do I need to be a Radiant CU member to qualify for a secured credit card?
Yes, you do. Joining is quick and easy, and we even make the transition from your current financial institution as simple as possible with our Switch Kit.
Learn more about availability here.
Are there cash advance or balance transfer fees?
There is no fee for balance transfers or cash advances.
What other types of loans does Radiant offer?
In addition to our personal and business credit cards, we also offer the following borrowing options:
- Auto loans
- Recreational vehicle loans
- Personal loans
- Home loans
- Land loan
- Home equity lines of credit
Does Radiant offer business credit cards?
Yes, Radiant offers business credit cards and an array of business lending products, including:
- Owner-occupied commercial real estate loans
- SBA 504 loans for commercial real estate and equipment
- Investment commercial real estate loans
- Loans for multi-family properties
- Lines of credit
- Loans for business vehicles
- Construction, term, and church loans
What if I have more questions about borrowing, or about Radiant Credit Union credit card rates?
If you have additional questions, please contact us to talk to a Member Service Representative.
