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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.

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Check out additional features of our cards and find the perfect benefits for you.
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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Credit Cards

Credit Cards

Rates Effective as of September 25, 2026

Loan Type APR for Purchases APR for Cash Advances
Visa Platinum APR for Purchases 10.99% - 20.99% APR for Cash Advances 10.99% - 20.99%
Visa Platinum Cash Back APR for Purchases 12.99% - 21.99% APR for Cash Advances 12.99% - 21.99%
Visa Signature Travel APR for Purchases 13.99% - 19.99% APR for Cash Advances 13.99% - 19.99%
Visa Secured APR for Purchases 10.99% APR for Cash Advances 10.99%

*APR= Annual Percentage Rate.

All Credit Cards: The current Wall Street Journal prime index rate is 7.00%. 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

Visa Platinum®2: After introductory period expires, Variable Annual Percentage Rate (APR) will be 10.99% - 20.99%. Rate current as of September 25, 2026. 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 introductory period expires, Variable Annual Percentage Rate (APR) will be 12.99% - 21.99%. Effective as of September 25, 2026. 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 introductory period expires, Variable Annual Percentage Rate (APR) will be 13.99% - 17.99% for business card holders. Variable Annual Percentage Rate (APR) will be 13.99% - 19.99% for consumers. All Credit Cards - Rates Effective as of September 25, 2026.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.

Share Secured Visa Platinum®1: After introductory period expires, Variable Annual Percentage Rate (APR) will be 10.99% for consumers. Rate current as of September 25, 2026. 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. 

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 7.00%. 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

  • Visa Platinum®2: After introductory period expires, Variable Annual Percentage Rate (APR) will be 10.99% - 20.99%. Rate current as of September 25, 2026. 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 introductory period expires, Variable Annual Percentage Rate (APR) will be 12.99% - 21.99%. Effective as of September 25, 2026. 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

  • Share Secured Visa Platinum®1: After introductory period expires, Variable Annual Percentage Rate (APR) will be 10.99% for consumers. Rate current as of September 25, 2026. 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 Signature® Travel 4: After introductory period expires, Variable Annual Percentage Rate (APR) will be 13.99% - 17.99% for business card holders. Variable Annual Percentage Rate (APR) will be 13.99% - 19.99% for consumers. All Credit Cards - Rates Effective as of September 25, 2026.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.