fbpx Skip nav to main content. Start Video Call

Visa® Credit Cards

"Very awesome credit union. They are by far the best. Thanks for all that you guys do!"

Smiling man with a white sweater and stubble Adam O.
  • Fast

    Quick application turnaround

  • Fewer fees

    Saves you money

  • Apply Now!

Some of the lowest rates around

Low-Rate Credit Cards from Arsenal & Visa®

Looking for a credit card with a great annual percentage rate (APR)? You’ve come to the right place.

Our fixed-rate Visa Platinum cards start at a much lower rate (9.90% APR) than big bank options which typically range from 14.99%  to 17.99% APR and retail store credit cards that often start as high as 26.99% APR.

It doesn’t end there either. Your same low rate will apply not only to purchases, but to cash advances and balance transfers. Our cards also include a generous grace period of 25 days.

For those with little or no credit history, we offer a secured credit card to help a person build credit with responsible card use. See details.

Avoid hefty fees

Many banks charge pesky fees on their credit cards at regular intervals or for certain types of transactions. We eliminate unnecessary fees, giving you the freedom to use your card however, whenever you want.

  • No monthly or annual fees
  • No setup fee
  • No program fee
  • No monthly servicing fee
  • No minimum finance charges
  • No transaction fees
  • No cash advance fees
  • No balance transfer fees
  1. 1

    Free balance transfers

    Do you have high-interest credit card debt? You can transfer your balance to a lower-rate Arsenal card for free.

  2. 2

    Easy mobile payments

    Leave your wallet behind and make purchases with your phone. You can connect your credit card with Apple Pay® Google Pay® or Samsung Pay® for extra convenience and flexibility. Learn More

  3. 3

    Rewards points

    Earn points every time you make a purchase with your credit card. You can redeem your points online for a wide variety of merchandise, travel and gift cards – or you can use them to make payments in $50 increments to your Arsenal credit card balance.Learn More

Get your low-rate credit card

We have a fast, simple online application.

Apply Now!


Card Type Limit APR*
Fixed-rate Visa Platinum $300 - $30,000 credit limit 9.90% APR-17.90% APR
Variable-rate Visa Platinum Max $5,000 credit limit Prime + 4.50% with a cap of 18.90% (may adjust monthly)

No annual or monthly fees; no minimum finance charge; no cash advance fees; no balance transfer fees; no penalty rate; 25-day grace period.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 1-3-2023.


The easiest way to set up a travel notification is to download our CardKey app. Another option is to fill out an online travel notification by signing into your online banking account, clicking on the Secure Forms tab, and then clicking on the Travel Notification for Debit and Credit Cards option. You can also call to let us know you're leaving at 314.962.6363 or 618.239.6363, option 6 then option 1.
The only place to get a truly free credit report is AnnualCreditReport.com. You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.
If you have a credit card with us already, but it has been lost or stolen, call Visa at 1.800.449.7728.
If you have any questions about your points balance or using your rewards card, please contact CURewards member services at 800.637.7728. You can also contact our member services department at 314.962.6363 or 618.239.6363, option 6, then option 2.
Once you have applied for a secured Visa Credit Card and it is approved:
  • Based on the dollar amount you are requesting, you would need to deposit that amount into your Arsenal savings account
  • A Visa card would be issued within 7-10 business days
  • The card would have the limit of the amount you deposit
  • A hold would be put on the funds in your savings account in the amount of the credit line for the Visa
  • The interest rate would be 13.90% APR
  • You would use the secured Visa just like a regular credit card
  • Payments would be due on the 20th of each month
  • The credit union would report to the credit bureau each month about your payment history
Credit cardholders earn 1 point per every $1.00 spent.

Still have questions?

Ask a question right now.

Ask a Question
Don't let your money fly away toward high-interest store credit card payments. According to a Lending Tree survey, approximately 35 percent of Americans relied on stor... Read

Security options

These extra features add layers of more complete security to your credit card, keeping you and your money safe.

  • CardKey

    You're in control. Lock/unlock your credit card, set up alerts/controls, make payments and so much more!

    Learn more about CardKey
  • Visa Secure

    Make shopping online more secure. Protect against unauthorized use of your Arsenal credit card with Visa Secure. When you use your card online, your identity may get verified through a push notification from the Arsenal mobile app, a one-time code by text or email or security questions. You can choose how you want to be verified with your online purchases. Your transaction will go through only after you verify your identity.

Get your low-rate credit card

Apply Now!

Read our credit card agreement and disclosure.