Double Up On Rewards

2X Rewards on Travel & Fuel in July!

Rates as low as 10.99% APR.^*

Get a fixed rate as low as 10.99% APR^*
Earn 2X Points on Fuel and EV Charging for your road trips**
Earn 2X Points on Airline Travel, Hotel Stays, Car Rentals, and more***

Disclosures

*Radiant Credit Union Visa Platinum Rewards Credit Card rates are as low as 10.99% APR and up to 15.40% 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. Dreampoints rewards earn at 1 point per dollar spent. Earned points expire after 36 months. Terms and conditions apply. Visit or call (877) 786-7828 for card and rewards details. Visa® is a registered trademark of Visa International. **Double points on travel applicable for purchases between July 1, 2026, through July 30, 2026. Bonus points may be earned when purchasing airline travel, hotel stays, car rentals and more. See Dreampoints rewards website for eligible purchase details. ***Double points on fuel applicable for purchases between July 1, 2026, through July 30, 2026. Bonus points maybe earned when purchasing gasoline fuel or purchases at EV stations. See Dreampoints rewards website for eligible purchase details.

Redeemable Points and Dime Back Rewards

Earn 1 point for every dollar you spend plus get a dime back for every qualifying purchase.²

Low Rates

Rates as low as 10.99% APR¹.

No Annual or Transfer Fee

Radiant Visa Credit Cards have no annual fee or balance transfer fee.

Digital Ready

Enjoy contactless cards ready for mobile wallets.

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.

Already have a Radiant Platinum Credit Card?

Upgrade to the Rewards card today!

Yes, I would like to upgrade!

1. Dreampoints Rewards

This will take you to a dashboard where you can see your total points, along with a variety of redemption options!

2. Fuel With Points

When you use your Rewards card to fuel up at participating retailers, you could save $0.50 off per gallon, up to 20 gallons. You will be prompted at the pump to use your points if you have enough points to qualify for the discount.

Current Participating Retailers:

Amoco, ARCO, BP, Citgo, GetGo Murphy USA, Shell, and Sunoco

Man with cell phone and computer redeeming points

3. Pay With Points

After making a qualifying purchase, use points to cover all or part of your purchase.

Post-purchase, login to your DreamPoints Rewards account to redeem your points. For even faster redemption, enable text or email alerts with a one-click redemption link. Eligible purchases must be between $25 and $250.

4. Checkout With Points

When you use a Radiant Rewards card with participating retailers, you can receive an immediate discount option to take $5 or $10 off of your purchase, using your earned rewards! If you have enough points to qualify, you'll see a prompt on the point-of-sale screen to apply your rewards towards the discount.

Current Participating Retailers:

CVS, Dollar General, HyVee, Giant Eagle, Schnucks, and Walgreens

Platinum Visa Credit Card

Get a low rate on a card designed for everyday purchases.

Learn More

Secured Visa Credit Card

Build or reestablish your credit history for as low as 15.98% APR.¹

Learn More

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.
Yes - 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.

Disclosures

Terms
Fees & Rates
Rewards Brochure

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.

3. Source: LendingTree

Visa® is a registered trademark of Visa International.

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.

Double Up On Rewards

2X Rewards on Travel & Fuel in July!

Rates as low as 10.99% APR.^*

Earn 2X Points on Travel & Fuel

July 1-30

Disclosures

Power Up Your Everyday Purchases!

Redeemable Points and Dime Back Rewards

Low Rates

No Annual or Transfer Fee

Digital Ready

Already have a Radiant Platinum Credit Card?

Radiant's Dreampoints Rewards

4 Ways to Redeem Points

1. Dreampoints Rewards

2. Fuel With Points

3. Pay With Points

4. Checkout With Points

More Credit Card Options

Platinum Visa Credit Card

Secured Visa Credit Card

FAQs

Disclosures

Our Members are Talking

Not a Member? Join Today!

Double Up On Rewards

2X Rewards on Travel & Fuel in July!

Rates as low as 10.99% APR.*

Earn 2X Points on Travel & Fuel

July 1-30

Disclosures

Power Up Your Everyday Purchases!

Redeemable Points and Dime Back Rewards

Low Rates

No Annual or Transfer Fee

Digital Ready

Already have a Radiant Platinum Credit Card?

Radiant's Dreampoints Rewards

4 Ways to Redeem Points

1. Dreampoints Rewards

2. Fuel With Points

3. Pay With Points

4. Checkout With Points

More Credit Card Options

Platinum Visa Credit Card

Secured Visa Credit Card

FAQs

What determines if my credit card application will be accepted?

How long will it take to receive my credit card?

What happens if I am late on a payment

Will my card be replaced if lost?

What is the APR for balance transfers and cash advances?

Can I make credit card payments online?

Do I need to be a Radiant CU member to qualify for a secured credit card?

Are there cash advance or balance transfer fees?

Disclosures

Our Members are Talking

Not a Member? Join Today!

Rates as low as 10.99% APR.^*