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.


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.


Works With

Apply Pay logo
Google Pay Logo
Visa Checkout logo

Which Credit Card Option is right for you?

creditcard rewards icon

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.

low rate credit card icon

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 12.20% APR*.

first credit card icon

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 12.20% APR*.

positive credit history icon

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 12.20% APR*.

Balance Transfer

Transfer your balance from another credit card(s) to save money and pay down your debt faster.  With an introductory 2.00% APR*** for 6 months and no balance transfer fees, it’s a no brainer.

Apply Now

Complete Balance Transfer Form

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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.
***2.00% introductory APR for 6 months available only for balance transfers made to our VISA Platinum Credit Card. After 6 months, balance transfers will receive an APR as low as 12.20% up to 18.00% based on creditworthiness. Balance transfers to other credit card types will receive an APR as low as 12.20% up to 18.00% based on creditworthiness