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.

All Credit Cards

No matter which card you choose, you will be able to enjoy the following benefits:

No annual fee
EMV chip for enhanced security
Emergency cash & card replacement - 24 hours a day/7 days a week
Rental car insurance
Rates do not change if you have a late payment
No liability on fraud as long as you comply with Visa® notice rules
Visa Alerts - receive notifications about account activity. Sign-up!

Works With

Which Credit Card Option is right for you?

I want to get rewarded as I spend.

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

Apply Online

Schedule an Appointment

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 6.95% APR*.

Apply Online

Schedule an Appointment

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 6.95% APR*.

Apply Online

Schedule an Appointment

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 6.95% APR*.

Apply Online

Schedule an Appointment

Balance Transfer

Transfer your balance from another credit card(s) to save money and pay down your debt faster. With an introductory 0.00% APR*** for 12 months and no balance transfer fees, it’s a no brainer.

Apply Now

Complete Balance Transfer Form

Visa® Gift Cards

Simplify your gift giving with the perfect gift for anyone: a Visa® Gift Card. This card gives the recipient the flexibility and convenience to choose where to go and what to buy.

Available in whole dollar amounts from $25 to $750
May be used at most merchants where Visa® is accepted**
$2.50 fee per card
Visa® Gift Card Terms & Conditions
Register your Visa® Gift Card

Visit any Vermont Federal branch location to purchase Visa® Gift Cards

For Lost/Stolen Card Services 24-Hour Support:

If your credit card is lost or stolen, please call (800) 234-5354

New Credit Card Payment Address

The address to remit credit card payments will change effective for all statements after November 2019. 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 37035
Boone, IA 50037-0035

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. Balance Transfer promotional rate is valid on new card transfers made between January 5, 2022 and April 4, 2022. Promotional rate on balance transfers will revert to existing APR after twelve month period. As of 5/3/21, those rates are as low as 9.95% APR for Visa® Platinum with Rewards and 6.95% APR without rewards, but may change prior to end of promotional period. The APRs are variable and can change based on the Wall Street Journal Prime Rate plus a margin as low as 6.70% on the Visa® Platinum Reward Card and 3.70% on the Visa® Platinum. Points are not rewarded on balance transfers or cash advances. Rates are quoted “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.