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Whether you’re looking for low rates, cash back, or travel rewards, iQ has a card that’s just right for you.

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Get low fees, security, perks, benefits, and more with one of iQ's featured credit cards. Click the tabs below for more information.
  • VisaSignatureTravel-CreditCard

    Visa Signature® Travel

    Travel further with even more rewards

    With our Signature® Travel card, every dollar  you spend will earn you points—redeemable for exciting rewards or cash back inside your online banking. You earn 3x points for Travel and Dining and 2x points for Groceries, Gas, and EV Charging.

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    *APR= Annual Percentage Rate.

    All Credit Cards: The current Wall Street Journal prime index rate is 6.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

    Disclosure for VISA® Signature Rewards | Disclosure for VISA® Platinum Rewards | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum

    Balance Transfer: *APR= Annual Percentage Rate. Qualification is based on an assessment of individual creditworthiness, our underwriting standards, and membership qualification. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Promotional APRs for new balance transfers are between 1.99% to 16.99% based on creditworthiness. The promotional APR for new credit lines is 2.99% for purchase transactions. After 12-month promotional periods end, rates will revert to the then-current APR (currently 10.74%-21.74% APR* as of 12/25/2025, based on creditworthiness). APRs vary with the market based on the WSJ Prime Rate. Limited time promotional balance transfer rates available for new balance transfers only, non-iQ loans only, and may be discontinued at any time, but no earlier than March 20, 2026. For Visa Secured, Visa Platinum, and Visa Platinum Cash Back credit cards, the cash advance fee is equal to the greater of $5 or 2% of the transaction amount, and the foreign transaction fee is 1% of the US Dollar amount. No annual fees. Rewards are only available for purchase transactions.

    Disclosure for Balance Transfer

    Visa Signature® Travel 4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 13.74% - 17.74% for business card holders. Variable Annual Percentage Rate (APR) will be 13.74% - 19.74% for consumers. All Credit Cards - Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.

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Pricing comparison by plan, packages, and features
Visa Signature® Travel4
Most Popular
Visa Signature® Travel<sup>4</sup>
/yr
Visa Platinum® Cash Back3
Visa Platinum® Cash Back<sup>3</sup>
/yr
Visa Platinum®2

Visa Platinum®<sup>2</sup><br></br>
/yr
Visa® Secured1

Visa® Secured<sup>1</sup><br></br>
/yr
Unique Features
Introductory Rate Visa Signature® Travel4 Enjoy 2.99% APR**on the first 12 months of purchases Visa Platinum® Cash Back3 Enjoy 2.99% APR**on the first 12 months of purchases Visa Platinum®2

 Enjoy 2.99% APR**on the first 12 months of purchases 		Visa® Secured1

 Enjoy 2.99% APR**on the first 12 months of purchases
Fees Visa Signature® Travel4 No Annual Fees* Visa Platinum® Cash Back3 No Annual Fees* Visa Platinum®2

 No Annual Fees* 		Visa® Secured1

 No Annual Fees*
Minimum Limit Visa Signature® Travel4 $5000 Visa Platinum® Cash Back3 $500 Visa Platinum®2

 $500 		Visa® Secured1

 $500
Deposit Visa Signature® Travel4 - Visa Platinum® Cash Back3 - Visa Platinum®2

 - 		Visa® Secured1

 Requires Cash Security Deposit as Low as $250
Cash Back Visa Signature® Travel4 Need to redeem points for cash back Visa Platinum® Cash Back3 Unlimited 1.5% cash back on every purchase Visa Platinum®2

 - 		Visa® Secured1

 -
Shared Features
Low Rates* Visa Signature® Travel4 Included Visa Platinum® Cash Back3 Included Visa Platinum®2

 Included 		Visa® Secured1

 Included
Travel & Emergency Coverage5 Visa Signature® Travel4 Included Visa Platinum® Cash Back3 Included Visa Platinum®2

 Included 		Visa® Secured1

 Included
Zero Balance Transfer Fees Visa Signature® Travel4 Included Visa Platinum® Cash Back3 Included Visa Platinum®2

 Included 		Visa® Secured1

 Included
Digital Wallet Ready (Apple Pay, Samsung Pay, Google Pay) Visa Signature® Travel4 Included Visa Platinum® Cash Back3 Included Visa Platinum®2

 Included 		Visa® Secured1

 Included
Optional Overdraft Protection Visa Signature® Travel4 Included Visa Platinum® Cash Back3 Included Visa Platinum®2

 Included 		Visa® Secured1

 Included
Rewards Points Visa Signature® Travel4 Included Visa Platinum® Cash Back3 -- Visa Platinum®2

 -- 		Visa® Secured1

 --
Zero Cash Advance Fees Visa Signature® Travel4 Included Visa Platinum® Cash Back3 -- Visa Platinum®2

 -- 		Visa® Secured1

 --
Zero Foreign Transaction Fees Visa Signature® Travel4 Included Visa Platinum® Cash Back3 -- Visa Platinum®2

 -- 		Visa® Secured1

 --
Lost Luggage & Baggage Delay Reimbursement Visa Signature® Travel4 Included Visa Platinum® Cash Back3 -- Visa Platinum®2

 -- 		Visa® Secured1

 --
Convenient Online Travel Reservations Visa Signature® Travel4 Included Visa Platinum® Cash Back3 -- Visa Platinum®2

 -- 		Visa® Secured1

 --
Auto Rental Insurance Visa Signature® Travel4 Included Visa Platinum® Cash Back3 -- Visa Platinum®2

 -- 		Visa® Secured1

 --
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Rates Effective as of December 25, 2025
Loan Type APR for Purchases APR for Cash Advances Title-Date More Info
Visa Platinum 10.74% - 20.74% 10.74% - 20.74%
Visa Platinum Cash Back 12.74% - 21.74% 12.74% - 21.74%
Visa Signature Travel 13.74% - 19.74% 13.74% - 19.74%
Visa Secured 10.74% 10.74%

*APR= Annual Percentage Rate.

All Credit Cards: The current Wall Street Journal prime index rate is 6.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

Disclosure for VISA® Signature Rewards | Disclosure for VISA® Platinum Rewards | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum

Balance Transfer: *APR= Annual Percentage Rate. Qualification is based on an assessment of individual creditworthiness, our underwriting standards, and membership qualification. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Promotional APRs for new balance transfers are between 1.99% to 16.99% based on creditworthiness. The promotional APR for new credit lines is 2.99% for purchase transactions. After 12-month promotional periods end, rates will revert to the then-current APR (currently 10.74%-21.74% APR* as of 12/25/2025, based on creditworthiness). APRs vary with the market based on the WSJ Prime Rate. Limited time promotional balance transfer rates available for new balance transfers only, non-iQ loans only, and may be discontinued at any time, but no earlier than March 20, 2026. For Visa Secured, Visa Platinum, and Visa Platinum Cash Back credit cards, the cash advance fee is equal to the greater of $5 or 2% of the transaction amount, and the foreign transaction fee is 1% of the US Dollar amount. No annual fees. Rewards are only available for purchase transactions.

Disclosure for Balance Transfer

FAQ's

How do I use the tap-to-pay feature?

Look for the tap-to-pay symbol at the checkout terminal. Hold your card near the symbol—no need to swipe or insert. You’ll hear a beep or see confirmation on the screen when it’s approved.

Is tap-to-pay secure?

Yes. Tap-to-pay payments use secure chip technology and generate a unique, one-time code for each transaction, like using a digital wallet on your mobile device.

 

Can I still use my card if the terminal doesn’t accept tap-to-pay?

Yes. You can still insert or swipe your card if tap-to-pay isn’t available.

 

Do I still need to use my PIN for tap-to-pay transactions?

Generally, you don’t need a PIN for tap-to-pay transactions, however depending on the dollar amount, merchants may require a PIN.

 

Can I use my new contactless card in an iQ ATM?

No, contactless functionality is not currently supported on iQ ATMs however is on our radar for a future enhancement.

Disclosures

*APR= Annual Percentage Rate.

All Credit Cards: The current Wall Street Journal prime index rate is 6.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

Disclosure for VISA® Signature Rewards | Disclosure for VISA® Platinum Rewards | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum

Balance Transfer: *APR= Annual Percentage Rate. Qualification is based on an assessment of individual creditworthiness, our underwriting standards, and membership qualification. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Promotional APRs for new balance transfers are between 1.99% to 16.99% based on creditworthiness. The promotional APR for new credit lines is 2.99% for purchase transactions. After 12-month promotional periods end, rates will revert to the then-current APR (currently 10.74%-21.74% APR* as of 12/25/2025, based on creditworthiness). APRs vary with the market based on the WSJ Prime Rate. Limited time promotional balance transfer rates available for new balance transfers only, non-iQ loans only, and may be discontinued at any time, but no earlier than March 20, 2026. For Visa Secured, Visa Platinum, and Visa Platinum Cash Back credit cards, the cash advance fee is equal to the greater of $5 or 2% of the transaction amount, and the foreign transaction fee is 1% of the US Dollar amount. No annual fees. Rewards are only available for purchase transactions.

Disclosure for Balance Transfer

Share Secured Visa Platinum®1: After promotional period expires, Variable Annual Percentage Rate (APR) will be 10.74% for consumers. Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. 

Visa Platinum®2: After promotional period expires, Variable Annual Percentage Rate (APR) will be  10.74% - 20.74% . Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.

Visa Platinum® Cash Back3  : After promotional period expires, Variable Annual Percentage Rate (APR) will be  12.74% - 21.74%. Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. Visa Platinum Cash Back Card Agreement

Visa Signature® Travel 4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 13.74% - 17.74% for business card holders. Variable Annual Percentage Rate (APR) will be 13.74% - 19.74% for consumers. All Credit Cards - Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.