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Credit Cards

Discover the Best Options for Your 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

    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. You earn 3x points for Travel and Dining, 2x points for Groceries, Gas, and EV Charging, and 1x points on everything else.

    Apply now and receive 25,000 bonus points when you spend $3,000 in the first 90 days!

    Visa Signature® Rewards4After promotional period expires, variable annual percentage rate (APR) will be 14.74% and 18.74% for business card holders. After promotional period expires, variable annual percentage rate (APR) will be 14.74% - 20.74% for consumers. $0 introductory annual fee for first year, then $49 per year. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.

  • Visa Platinum® 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.

    • 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® Rewards3Variable Annual Percentage Rate (APR) is 13.74% - 22.74%. Rates current as of Rates Effective as of February 25, 2023. 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® Low Rate

    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.

    • Low rates
    • No annual fees*
    • Enhanced security features with EMV chip technology
    • Instant issue credit cards available in retail branches

    Visa Platinum®2: Variable Annual Percentage Rate (APR) is 11.74% - 21.74%. Rates current as of Rates Effective as of February 25, 2023. 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® Secured

    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 $500, 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

    Share Secured Visa Platinum®1:Variable annual percentage rate (APR) will be 11.74% for consumers. Rates current as of Rates Effective as of February 25, 2023. 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.

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Compare Card Features

Find the perfect benefits for you

Compare our Cards

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

Visa Signature® Travel4

Visa Signature® Travel<sup>4</sup>

/yr

Earn travel rewards

3x points for Travel and Dining

2x points for Gas and Groceries & $1 = 1 point for everything else

Visa Platinum® Cash Back3

Visa Platinum® Cash Back<sup>3</sup>

/yr

Earn the most cash back

Unlimited 1.5% cash back on every purchase

Visa Platinum®2

Visa Platinum®<sup>2</sup><br></br>

/yr

Low rate, great features

Visa® Secured1

Visa® Secured<sup>1</sup><br></br>

/yr

Get on the right trail

Great for building or repairing credit

Unique Features
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
Low Annual Fees*
No Annual Fees*
No Annual Fees*
No Annual Fees*
Minimum Limit
$5000
$500
$500
$500
Deposit
-
-
-
Requires Cash Security Deposit as Low as $500
Cash Back
Redeem points for cash back
Quarterly cash-back deposit to your iQ account
-
-
Shared Features
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
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Disclosures

  • *APR= Annual Percentage Rate.

    *All credit card approvals are subject to qualifications for iQ membership and based on an assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms, and conditions are subject to change at any time without notice.

    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.

    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:Variable annual percentage rate (APR) will be 11.74% for consumers. Rates current as of Rates Effective as of February 25, 2023. 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: Variable Annual Percentage Rate (APR) is 11.74% - 21.74%. Rates current as of Rates Effective as of February 25, 2023. 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® Rewards3Variable Annual Percentage Rate (APR) is 13.74% - 22.74%. Rates current as of Rates Effective as of February 25, 2023. 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 Signature® Rewards4After promotional period expires, variable annual percentage rate (APR) will be 14.74% and 18.74% for business card holders. After promotional period expires, variable annual percentage rate (APR) will be 14.74% - 20.74% for consumers. $0 introductory annual fee for first year, then $49 per year. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.

Frequently Asked Questions

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

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.

What if my iQ Visa card is lost or stolen?

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. 

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

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.

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

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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  • Routing Number 323383378
  • NMLS Number 643581

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If you use links provided on this iQ Credit Union website to third-party Internet sites and services, you acknowledge that you are leaving iQ Credit Union's website and are going to a website that is not operated by the credit union. iQ Credit Union is not responsible for the content or availability of linked sites. iQ Credit Union does not represent either the third party or the member if you enter into a transaction; and privacy and security policies may differ from those practiced by the credit union.