Visa® Credit Cards

Find the right card for you

Visa Credit Cards

Ideal Credit Union makes it easy to find the right credit card for you. Choose between the valuable CU Rewards Program linked to the Ideal Blue Rewards Credit Card or the non-variable rate Gold Credit Card that allows you to earn monthly cashback on eligible purchases.

Blue Rewards Credit Card

blue rewards credit card

Earn points for every dollar and redeem those points for top-brand merchandise, gift cards, travel adventures or even exchange your rewards points for cashback. Learn more

  • No Annual Fee
  • Variable rates as low as 14.40% APR1
  • CU Rewards Program
  • Zero Liability coverage

Apply Online

Gold Credit Card

Gold Credit Card

Enjoy an affordable, non-variable rate card that allows you to earn cashback each month. Earn a 0.50% rebate for every dollar in new net purchases of $500 or higher. Learn more

  • No Annual Fee
  • Non-variable rates as low as 9.90% APR2
  • Monthly cashback earnings
  • Zero Liability coverage

Apply Online

Earn 1,500 Bonus CU Rewards Points

Open a new Ideal Blue Rewards Visa and spend $1,000 in the first 60 days to earn 1,500 bonus CU Rewards Points. Learn more about the CU Rewards Program.

 

Ideal Visa Credit Cards

Rates as of:

 

*APR = Annual Percentage Rate

1 Ideal CU Blue Rewards variable APR ranges from 14.40% - 17.99% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $40. Convenience Check Stop Payment fee $35. See full card disclosure.

2 Ideal CU Gold non-variable APR ranges from 9.90% - 15.90% dependent on creditworthiness. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $40. Convenience Check Stop Payment fee $35. See full card disclosure.