Discover the right card for your uniQue needs

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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Credit Cards

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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.

  • 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. 

    Apply Online

    Disclosure for Visa Signature Rewards

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Visa Signature® Travel4

Visa Signature® Travel<sup>4</sup>

/yr

Earn travel rewards

3x points for Travel and Dining

2x points for Gas, EV Charging, & Groceries

$1 = 1 point for everything else

Visa Platinum® Cash Back3

Visa Platinum® Cash Back<sup>3</sup>

/yr

Earn most cash back

1.5% cash back on all your purchases

Visa Platinum®2

Visa Platinum®<sup>2</sup><br></br>

/yr

Low rate, great features

Visa® Secured1

Visa® Secured<sup>1</sup><br></br>

/yr

Get on the right trail

Great for building or repairing credit

Packages Visa Signature® Travel4 Visa Platinum® Cash Back3 Visa Platinum®2

 Visa® Secured1
Introductory Rate Enjoy 2.99% APR**on the first 12 months of purchasesEnjoy 2.99% APR**on the first 12 months of purchasesEnjoy 2.99% APR**on the first 12 months of purchasesEnjoy 2.99% APR**on the first 12 months of purchases
Fees No Annual Fees*No Annual Fees*No Annual Fees*No Annual Fees*
Minimum Limit $5000$500$500$500
Deposit ---Requires Cash Security Deposit as Low as $500
Cash Back Need to redeem points for cash backUnlimited 1.5% cash back on every purchase--
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Features Visa Signature® Travel4 Visa Platinum® Cash Back3 Visa Platinum®2

 Visa® Secured1
Low Rates* CheckCheckCheckCheck
Travel & Emergency Coverage5 CheckCheckCheckCheck
Zero Balance Transfer Fees CheckCheckCheckCheck
Digital Wallet Ready (Apple Pay, Samsung Pay, Google Pay) CheckCheckCheckCheck
Optional Overdraft Protection CheckCheckCheckCheck
Rewards Points Check
Zero Cash Advance Fees Check
Zero Foreign Transaction Fees Check
Lost Luggage & Baggage Delay Reimbursement Check
Convenient Online Travel Reservations Check
Auto Rental Insurance Check

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Apply Online

Rates Effective as of January 25, 2025
Loan Type APR for Purchases APR for Cash Advances Title-Date More Info
Visa Platinum 11.49% - 21.49% 11.49% - 21.49%
Visa Platinum Cash Back 13.49% - 22.49% 13.49% - 22.49%
Visa Signature Travel 14.49% - 20.49% 14.49% - 20.49%
Visa Secured 11.49% 11.49%

*APR= Annual Percentage Rate.

All Credit Cards: The current Wall Street Journal prime index rate is 7.50%. 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

Disclosures

*APR= Annual Percentage Rate.

All Credit Cards: The current Wall Street Journal prime index rate is 7.50%. 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

Share Secured Visa Platinum®1: After promotional period expires, Variable Annual Percentage Rate (APR) will be 11.49% for consumers. Rates Effective as of January 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 of 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 11.49% - 21.49%. Rates Effective as of January 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 of 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  13.49% - 22.49%. Rates Effective as of January 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 of 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 14.49% - 18.49% for business card holders. Variable Annual Percentage Rate (APR) will be 14.49% - 20.49% for consumers. Rates Effective as of January 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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