Visa Credit Cards
Looking for a low-interest credit union credit card with a fixed rate and no balance transfer fees? SWSFCU has one of the best credit card selections around, with rates that beat major banks and other credit unions in the Contra Costa County area.
Credit cards can be valuable tools for establishing and building your credit history when used responsibly. With a credit union fixed-rate credit card, you’ll have a predictable interest rate rather than one that fluctuates over time. SWSFCU’s low-rate Visa credit cards can help you manage purchases, build credit and keep borrowing costs under control.
As a local credit union serving Martinez and the broader Contra Costa County community, SWSFCU also provides personalized support from friendly, accessible loan officers. Whether you’re comparing cards or ready to apply for a Visa credit card online, we can help you find the option that fits your needs.
Visa Credit Cards
Our Visa cards have amazing low rates and benefits that put them in a class of their own, like NO balance transfer fee, NO annual fee, and a FIXED rate. Whatever your credit needs, we have a card to match it!
Choose from our Platinum, Gold, Classic, or Credit Builder and get the best of all worlds. Need help selecting the right one? No problem! One of our friendly Loan Officers will be glad to help you decide. We offer a variety of Visa Credit Cards with low fixed interest rates!
Visa Credit Card Rates
| Visa Credit Card Type | Rate as Low as | Credit Limit |
|---|---|---|
| Platinum | 7.90% APR* | Up to $20,000 |
| Gold | 9.90% APR* | Up to $10,000 |
| Classic | 10.92% APR* | Up to $6,000 |
| Credit Builder | Speak with a Loan Officer | Up to $500 |
Not a member yet? No problem!
If you live, work, worship or attend school in Contra Costa County you may be eligible for membership! We can help you verify your eligibility or, if you're ready, help you apply for membership. Just follow the link below:
Credit Union Balance Transfer
The more you transfer, the more you can save!
A credit union credit card balance transfer can help you move higher-interest credit card debt to a card with a more manageable rate. With SWSFCU, you’ll pay no balance transfer fees, giving you another opportunity to save while consolidating debt.
Our no balance transfer fee credit card option is available to new and existing cardholders. If you’re carrying a balance with a major bank or another lender, a credit union balance transfer may help simplify your payments and reduce the amount you spend on interest over time.
Not a cardholder yet? With rates as low as 7.90% APR,* now is a great time to apply! Call us at 925-228-4545, option 3, to speak with a loan officer today!
*APR = Annual Percentage Rate.
Cash Advances
Need access to funds for an unexpected expense? Our SWSFCU Visa credit cards offer cash advances, allowing you to access funds from your available credit limit when you need them.
Because cash advances can have different rates, fees and terms than regular credit card purchases, be sure to review your Visa card disclosures before requesting one so you understand the applicable costs.
Apply Now
Ready to apply for a credit union credit card? Explore SWSFCU Visa credit card options and find the card that fits your financial needs.
