Visa Platinum rewards Credit Card 

Low rates.
No extra fees.

start earning rewards

Enjoy these Platinum-level benefits


From the low rate to dime back rewards, you’ll enjoy the Platinum-level benefits without having to pay lots of added fees.


Low Rate

Rates as low as 10.99% APR1

No Annual or Transfer Fee

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

Dime Back plus Rewards

Earn a dime for every qualifying purchase2 and earn 1 point for every dollar your spend

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Digital Ready

Enjoy contactless cards that ready for mobile wallets 


Earn 1 point for every dollar you spend.  Rewards include cash back, gift cards, merchandise, travel experiences, and charitable donations. 
Visit  to set up your account and start browsing rewards.  For rewards support call (888) 205-1243.


New Ways to Redeem Rewards

Checkout With Points

Now you can use your rewards to get a discount when checking out at several major retailers. When you swipe your Rewards card at checkout, you can receive an immediate discount option to take $5 or $10 off of your purchase, using your earned rewards! You'll see a prompt on the point-of-sale screen to let you redeem your real-time rewards. 


Current Retailers offering Checkout With Points:
Walmart, Walgreens, Dollar General, CVS, Shell, BP, Citgo, Amoco, and Murphy USA.
Retailers offering Checkout With Points Soon:
Amazon, Best Buy, PayPal, AT&T, Domino's, Tractor Supply, Marshalls, HomeGoods, and TJ Maxx


Pay With Points

Now you can quickly and easily cover your last purchase with your credit card rewards points! Right after making an eligible purchase, just log on to the rewards site and redeem your points for that transaction. Soon, this will be even faster via a text or email your way with a 1-click redemption link to cover what you just bought with your rewards.


The number of points needed to redeem is based on the total transaction amount.  The transaction must be within the minimum of $25 and maximum of $250.



Already have a Radiant Platinum Credit Card? Upgrade to the Rewards Card Today!


Platinum Credit Card Rates






Visa® Platinum Rewards Credit Card




Members who want rewards on top of exclusive benefits and services

 Start earning rewards

Other Card Options

Platinum Visa Credit Card

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Rates as low as 

9.49% APR2 

learn more

Secured Visa Credit Card

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Build or reestablish your credit history

15.98% APR2 

learn more 

Visa Debit Card With Nickel Back

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Get paid 5 cents per purchase with the Visa Debit Card with Nickel Back Rewards.

learn more 

Fees & Rates
Rewards Brochure

1All information is accurate as of 6/06/22 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 6/06/22. This card is issued by Radiant Credit Union pursuant to a license from Visa® U.S.A., Inc. Subject to credit approval.

2On 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.


What is Pay With Points?

Pay With Points is a rewards redemption feature that allows you to pay for qualified purchases with the points you have already earned. With a single click in an email or a one-word response to a text message, you may now Pay With Points. A statement credit will be applied back to your card for the purchase amount of the purchase you elected to pay with points.

The number of points needed to redeem is based on the total transaction amount.  The transaction must be within the minimum of $25 and maximum of $250.

1. Purchase

credit card and credit card reader machine

Use your rewards card whereve you shop for everyday purchases.

2. Get Notified

Four adults

Notifications get sent to you directly after your purchase.

3. Redeem

hand holding a dime

Choose option to pay with your points for your recent purchase.


Already have a Radiant Platinum Credit Card? Upgrade to the Rewards Card Today!


Other 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 15.98%.

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 advance.

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.

Our members are talking

I absolutely love Radiant Credit Union, they are so customer oriented. I have such pleasant interactions with staff each and every visit. I’m so thankful that my dad and uncle recommended Radiant Credit Union.

Gainesville, FL
Five Stars