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.
With our Signature® Travel card, every dollar you spend will earn you points — redeemable for exciting rewards or cash back inside your online banking.
Benefits:
Apply now and receive 25,000 bonus points when you spend $3,000 in the first 90 days!
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:
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:
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:
Earn travel rewards
3x points for Travel and Dining
2x points for Gas and Groceries & $1 = 1 point for everything else
Earn the most cash back
Unlimited 1.5% cash back on every purchase
Low rate, great features
Get on the right trail
Great for building or repairing credit
Packages | Visa Signature® Travel4 |
Visa Platinum® Cash Back3 |
Visa Platinum®2 |
Visa Platinum® Secured1 |
|
---|---|---|---|---|---|
Introductory Rate | 2.99% APR4 on purchases for first 12 months | 2.99% APR3 on purchases for first 12 months | 2.99% APR2 on purchases for first 12 months | 2.99% APR1 on purchases for first 12 months | |
Fees | No Annual Fees* | No Annual Fees* | No Annual Fees* | No Annual Fees* | |
Minimum Limit | $5000 | $500 | $500 | $250 | |
Deposit | - | - | - | Requires Cash Security Deposit as Low as $250 | |
Cash Back | Redeem points for cash back | Quarterly cash-back deposit to your iQ account | - | - | |
Features | Visa Signature® Travel4 |
Visa Platinum® Cash Back3 |
Visa Platinum®2 |
Visa Platinum® Secured1 |
|
Low Rates* | |||||
Travel & Emergency Coverage5 | |||||
Zero Balance Transfer Fees | |||||
Digital Wallet Ready (Apple Pay, Samsung Pay, Google Pay) | |||||
Generous Grace Period for Payment | |||||
Optional Overdraft Protection | |||||
Rewards Points | |||||
Zero Cash Advance Fees | |||||
Zero Foreign Transaction Fees | |||||
Lost Luggage & Baggage Delay Reimbursement | |||||
Convenient Online Travel Reservations | |||||
Auto Rental Insurance |
*APR= Annual Percentage Rate.
All Credit Cards: The current Wall Street Journal prime index rate is 7.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Balance Transfers: Qualification is based on an assessment of individual creditworthiness, our underwriting standards, and membership qualification. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Promotional APRs are between 1.99% to 16.99% based on creditworthiness. After 12-month promotional period ends, rates will revert to the then-current APR (currently 13.74-22.74% as of 11/25/2024, based on credit worthiness). APRs vary with the market based on the WSJ Prime Rate. Limited time promotional rate available for new balance transfers only, non-iQ loans only, and may be discontinued at any time, but no earlier than February 24, 2025. Terms subject to change without notice.
Disclosure for Visa Signature Rewards | Disclosure for Visa Platinum rewards available here. | Disclosure for Visa Platinum available here. | Disclosure for Shared Secured Visa Platinum available here.
Share Secured Visa Platinum®1: After promotional period expires, Variable Annual Percentage Rate (APR) will be 11.74% for consumers. Rates Effective as of November 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.
Visa Platinum®2: After promotional period expires, Variable Annual Percentage Rate (APR) will be 11.74% - 21.74%. Rates Effective as of November 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.
Visa Platinum® Cash Back3 : After promotional period expires, Variable Annual Percentage Rate (APR) will be 13.74% - 22.74%. Rates Effective as of November 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. Visa Platinum Cash Back Card Agreement
Visa Signature® Travel 4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 14.74% - 18.74% for business card holders. Variable Annual Percentage Rate (APR) will be 14.74% - 20.74% for consumers. Rates Effective as of November 25, 2024. There is no annual fee for this credit card. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.
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
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