SPEND HOW YOU WANT, WHEN YOU WANT

We have Credit Cards to fit your financial needs, whether it’s getting rewarded for your night on the town, consolidating debt, or establishing credit for the first time.

See our Credit Card Rates
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Rates and Fees

CARD BENEFITS

Your Visa® Signature Rewards credit card comes with special perks and benefits including:

Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Cellular Telephone Protection
Emergency Medical/Dental Coverage
Extended Warranty Protection
Price Protection
Purchase Security
Return Protection
Roadside Dispatch®
Travel & Emergency Assistance Services
Trip Cancellation and Interruption
Trip Delay Reimbursement

Redeem Your Reward Points Here

Certain terms, conditions, and exclusions apply. For the full Visa Guide to Benefits including terms and conditions, please click here.

Your Visa® Signature Rewards credit card comes with special perks and benefits including:

Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Cellular Telephone Protection
Emergency Medical/Dental Coverage
Extended Warranty Protection
Price Protection
Purchase Security
Return Protection
Roadside Dispatch®
Travel & Emergency Assistance Services
Trip Cancellation and Interruption
Trip Delay Reimbursement

Redeem Your Reward Points Here

Certain terms, conditions, and exclusions apply. For the full Visa Guide to Benefits including terms and conditions, please click here.

Your Visa® Platinum credit card comes with special perks and benefits including:

Roadside Dispatch®

Certain terms, conditions, and exclusions apply. For the full Visa Guide to Benefits including terms and conditions, please click here.

Works With

Which Credit Card Option is right for you?

I want to get rewarded as I spend.

Our Visa® Signature Rewards Credit Card is the option for you. As you use your card, you’ll accumulate 1.25 points for every dollar you spend that you can redeem for account credit, travel, charity donations, event tickets, and/or merchandise. Click Here for instructions on how to redeem your reward points or Visit our rewards site for more information.

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I want a low rate card that I can carry a balance on.

Our Visa® Platinum Credit Card provides a lower rate without the rewards. It’s great for emergencies, consolidating debt, or everyday spending. Rates as low as 10.70% APR*.

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I want to establish credit with my first credit card.

Our Visa® Platinum Credit Card is a perfect card for borrowers who want to establish a positive credit history with their first card. Rates as low as 10.70% APR*.

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I want to establish a positive credit history.

Our Share Secured Visa Credit Card is great for members who want to establish a positive credit history while securing the card with their share account. Rates as low as 10.70% APR*.

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Balance Transfer

For a limited time, transfer your balance from other credit card(s) to save money and pay down your debt faster with an introductory 0.00% APR*** for 12 months.

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Complete Balance Transfer Form

For Lost/Stolen Card Services 24-Hour Support:

If your credit card is lost or stolen, please call (866) 609-7606

New Credit Card Payment Address

The address to remit credit card payments will change effective for all statements after February 2023. If you pay your credit card bill by mail, please remit all future payments to the follow address:

Vermont Federal Credit Union
P.O. Box 37603
Philadelphia, PA 19101-0603

If you have any questions, please call our Call Center at (888) 252-0202.

*The Annual Percentage Rates are variable and can change based on the Wall Street Journal Prime Rate plus a margin of 6.70% on the Visa® Platinum Rewards Card and 3.70% on the Visa® Platinum card. Rates quoted are "as low as" and may vary based on your individual credit. Must be a member of the Credit Union to obtain a credit card. All loans are subject to approval.

**Certain vendors require a minimum amount on a card for prepayment purchases such as gas, hotel deposits, incidentals and rental cars. Be sure to check with the individual vendor prior to use.

***APR= Annual Percentage Rate. 0% APR for 12 months applies to the balance transfer ONLY. New purchases will receive normal interest rates based on creditworthiness. Offer available on New Platinum Credit Cards ONLY. Limit of one Platinum Credit Card per member. Balance transfers to existing cards or other card types are not eligible for the promotion. Balance Transfer must be from a financial institution other than Vermont Federal Credit Union to be eligible for the promotion. Balance Transfer promotional rate is valid on NEW Platinum Credit Card transfers made between January 15, 2026 and April 15, 2026. A 2% balance transfer fee is assessed and charged at the time the balance transfer is initiated by VTFCU. Promotional rate on balance transfers will revert to normal APR at the end of the twelve (12) month period. As of 12/11/2025, Platinum Credit Card APR is as low as 10.70%, but may change prior to the end of the promotional period. Maximum APR that can be imposed is 18%. APR is variable and can change based on the Wall Street Journal Prime Lending Rate plus a margin as low as 3.70% for VISA Platinum Credit Cards. Rates are quoted as “as low as” and may vary based on your individual credit. Must be a member of the Credit Union to obtain a credit card. $5 share deposit required for membership. All loans subject to approval. Offer subject to approval. Offer subject to change or end at anytime without notice.