Credit Cards

Discover the Best Options for Your UniQue Needs

We offer a variety of credit card options, including low-interest rates, no annual fees, and rewards programs. Plus, with our online banking tools, you can easily manage your account and track your spending in real-time.

Visa Signature® Travel[[cite:visa_travel]]

Travel further with even more rewards

With our Signature^®Travel card, every dollar you spend will earn you points — redeemable for exciting rewards or cash back inside your online banking. Apply now and receive 25,000 bonus points when you spend $3,000 in the first 90 days!

3x Points

Travel and Dining

2x Points

Groceries & Gas

1x Points

For Every Other Swipe

No Annual Fee

—APR[[cite:visa_travel]] on First 12 Months of Purchases

2X Electric Vehicle Charging Points

1 point = $1 spent

24/7 Fraud Protection

Zero Cash Advance or Foreign Transaction Fees

Convenient Online Travel Reservations

Travel Accident Insurance[[cite:visa_travel]]

Lost Luggage & Baggage Delay Reimbursement
Visa Platinum® Cash Back[[cite:visa_cash_back]]

iQ Offers Credit Cards with platinum Features
If you’ve been looking for a better credit card, you just found it. iQ’s cash back card gives you a super low rate, plus extra cash back. Use your card for your everyday shopping and watch your rewards grow. It's a great way to pay off old balances and save money.

Benefits:
- Low rates
- No annual fees
- Unlimited 1.5% cash back on every purchase (with Visa Platinum Cash Back)
- Enhanced security features with EMV chip technology
- Instant issue credit cards available in retail branches
Visa Platinum® Low Rate[[cite:visa_platinum]]

Practical in Plaid
Not pretentious. Practical and Plaidy. A perfect partner for your next adventure. Use your card for everyday shopping and more. It's a great way to pay off old balances and save money.

Benefits:
- Low rates
- No annual fees
- Enhanced security features with EMV chip technology
- Instant-issue credit cards available in retail branches
Visa® Secured[[cite:secured_visa]]

Looking to establish or improve your credit history? The iQ Credit Union Visa® Secured Credit Card may be the right choice for you.
With a cash security deposit as low as $250, this card offers the security and convenience of a traditional credit card while also helping you build or rebuild your credit. Start on the path to financial success with the iQ Credit Union Visa Secured Credit Card.

Benefits:
- No monthly or annual fees*
- Establish or re-establish good credit history
- While not guaranteed, approval is often easier
- May improve your credit score

Compare our Cards

Check out additional features of our cards and find the perfect benefits for you.

Pricing comparison by plan, packages, and features
	Visa Signature® Travel[[cite:visa_travel]] /yr	Visa Platinum® Cash Back[[cite:visa_cash_back]] /yr	Visa Platinum®[[cite:visa_platinum]] /yr	Visa Platinum® Secured[[cite:secured_visa]] /yr
Unique Features
Introductory Rate	Visa Signature® Travel[[cite:visa_travel]] — APR[[cite:visa_travel]] on purchases for first 12 months	Visa Platinum® Cash Back[[cite:visa_cash_back]] — APR[[cite:visa_cash_back]] on purchases for first 12 months	Visa Platinum®[[cite:visa_platinum]] — APR[[cite:visa_platinum]] on purchases for first 12 months	Visa Platinum® Secured[[cite:secured_visa]] — APR[[cite:secured_visa]] on purchases for first 12 months
Fees	Visa Signature® Travel[[cite:visa_travel]] No Annual Fees	Visa Platinum® Cash Back[[cite:visa_cash_back]] No Annual Fees	Visa Platinum®[[cite:visa_platinum]] No Annual Fees	Visa Platinum® Secured[[cite:secured_visa]] No Annual Fees
Minimum Limit	Visa Signature® Travel[[cite:visa_travel]] $5000	Visa Platinum® Cash Back[[cite:visa_cash_back]] $500	Visa Platinum®[[cite:visa_platinum]] $500	Visa Platinum® Secured[[cite:secured_visa]] $250
Deposit	Visa Signature® Travel[[cite:visa_travel]] -	Visa Platinum® Cash Back[[cite:visa_cash_back]] -	Visa Platinum®[[cite:visa_platinum]] -	Visa Platinum® Secured[[cite:secured_visa]] Requires Cash Security Deposit as Low as $250
Cash Back	Visa Signature® Travel[[cite:visa_travel]] Redeem points for cash back	Visa Platinum® Cash Back[[cite:visa_cash_back]] Quarterly cash-back deposit to your iQ account	Visa Platinum®[[cite:visa_platinum]] -	Visa Platinum® Secured[[cite:secured_visa]] -
Shared Features
Low Rates	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]]	Visa Platinum®[[cite:visa_platinum]]	Visa Platinum® Secured[[cite:secured_visa]]
Travel & Emergency Coverage	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]]	Visa Platinum®[[cite:visa_platinum]]	Visa Platinum® Secured[[cite:secured_visa]]
Zero Balance Transfer Fees	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]]	Visa Platinum®[[cite:visa_platinum]]	Visa Platinum® Secured[[cite:secured_visa]]
Digital Wallet Ready (Apple Pay, Samsung Pay, Google Pay)	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]]	Visa Platinum®[[cite:visa_platinum]]	Visa Platinum® Secured[[cite:secured_visa]]
Tap to Pay	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]]	Visa Platinum®[[cite:visa_platinum]]	Visa Platinum® Secured[[cite:secured_visa]]
Generous Grace Period for Payment	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]]	Visa Platinum®[[cite:visa_platinum]]	Visa Platinum® Secured[[cite:secured_visa]]
Optional Overdraft Protection	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]]	Visa Platinum®[[cite:visa_platinum]]	Visa Platinum® Secured[[cite:secured_visa]]
Rewards Points	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]] --	Visa Platinum®[[cite:visa_platinum]] --	Visa Platinum® Secured[[cite:secured_visa]] --
Zero Cash Advance Fees	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]] --	Visa Platinum®[[cite:visa_platinum]] --	Visa Platinum® Secured[[cite:secured_visa]] --
Zero Foreign Transaction Fees	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]] --	Visa Platinum®[[cite:visa_platinum]] --	Visa Platinum® Secured[[cite:secured_visa]] --
Lost Luggage & Baggage Delay Reimbursement	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]] --	Visa Platinum®[[cite:visa_platinum]] --	Visa Platinum® Secured[[cite:secured_visa]] --
Convenient Online Travel Reservations	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]] --	Visa Platinum®[[cite:visa_platinum]] --	Visa Platinum® Secured[[cite:secured_visa]] --
Auto Rental Insurance	Visa Signature® Travel[[cite:visa_travel]]	Visa Platinum® Cash Back[[cite:visa_cash_back]] --	Visa Platinum®[[cite:visa_platinum]] --	Visa Platinum® Secured[[cite:secured_visa]] --

Travel
Experiences
Theme Parks
Concerts
Cash Back
Gift Cards
Prepaid Cards
Charitable Donations
Merchandise

Balance Transfers

RESTORE FINANCIAL PEACE OF MIND

Get relief from high-rate credit card debt.

EFFORTLESS TRANSFER

You already have the card, requesting a transfer is quick and easy.

Credit Cards

All Credit Cards[[cite:credit_cards]]

Rates Effective as of September 25, 2026

Loan Type	APR for Purchases	APR for Cash Advances
Visa Platinum	APR for Purchases 10.99% - 20.99%	APR for Cash Advances 10.99% - 20.99%
Visa Platinum Cash Back	APR for Purchases 12.99% - 21.99%	APR for Cash Advances 12.99% - 21.99%
Visa Signature Travel	APR for Purchases 13.99% - 19.99%	APR for Cash Advances 13.99% - 19.99%
Visa Secured	APR for Purchases 10.99%	APR for Cash Advances 10.99%

Please contact the Credit Union at 800-247-4364 or stop by your local branch to initiate a dispute on your debit or credit card. We will advise you on the best way to proceed with the dispute. Please contact us promptly, otherwise you may incur increased liability for the transactions.

If you discover your card has been lost or stolen, call the Member Contact Center immediately at 800-247-4364. If you are traveling outside the United States, please call 727-572-7723 to block your card immediately. You may stop at a local branch to receive a new card the same day, or call us during business hours to order a new card by mail.

If you inform us in advance of your travel plans, it will minimize the chance that card services will be disrupted. Call 800-247-4364 or stop at one of our branches to share your travel dates, destinations, and contact information while you are away.

iQ is alerted about security breaches as soon as the information is made available. In these situations, we have processes in place to ensure your account remains secure. If you have any concerns about a possible breach, reach out to us by logging in to Digital Branch to send us a secured message or call us at 800-247-4364

Look for the tap-to-pay symbol at the checkout terminal. Hold your card near the symbol—no need to swipe or insert. You’ll hear a beep or see confirmation on the screen when it’s approved.

Yes. Tap-to-pay payments use secure chip technology and generate a unique, one-time code for each transaction, like using a digital wallet on your mobile device.

Yes. You can still insert or swipe your card if tap-to-pay isn’t available.

Generally, you don’t need a PIN for tap-to-pay transactions, however depending on the dollar amount, merchants may require a PIN.

ONLINE BANKING LOG IN

Credit Cards

Discover the Right Card for your UniQue Needs

Credit Cards

Discover the Best Options for Your UniQue Needs

Visa Signature® Travel[[cite:visa_travel]]

Visa Platinum® Cash Back[[cite:visa_cash_back]]

Visa Platinum® Low Rate[[cite:visa_platinum]]

Visa® Secured[[cite:secured_visa]]

Apply Now

Ready to Get Started?

Compare Card Features

Find the perfect benefits for you

Compare our Cards

Visa Signature Travel®[[cite:visa_travel]]

- Rewards Points Redemption Categories

When it comes to redeeming your hard-earned rewards points, we have a wide range of exciting options for you to choose from. Whether you're a travel enthusiast, a sports fan, or someone who loves unique experiences, we've got you covered.

Travel

Experiences

Theme Parks

Concerts

Cash Back

Gift Cards

Prepaid Cards

Charitable Donations

Merchandise

Balance Transfers

Rates

All Credit Cards[[cite:credit_cards]]

Rates Effective as of September 25, 2026

Frequently Asked Questions

How do I dispute a debit card or credit card transaction?

What if my iQ Visa card is lost or stolen?

What if I am traveling and plan to use my iQ Credit or Debit Card?

I heard about a security breach, how will I know if my card has been compromised?

How do I use the tap-to-pay feature?

Is tap-to-pay secure?

Can I still use my card if the terminal doesn’t accept tap-to-pay?

Do I still need to use my PIN for tap-to-pay transactions?