Credit Cards

Discover the Right Card for your UniQue Needs

Whether you’re looking for low rates, cash back, or travel rewards, iQ has a card that’s just right for you

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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

    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!

    Apply Online


     

    Airplane-TopView

    3x Points

    Travel and Dining

    Groceries

    2x Points

    Groceries & Gas

    Cash-To-Card

    1x Points

    For Every Other Swipe

    no-fee

    No Annual Fee

    promotions

    2.99% APR* on First 12 Months of Purchases

    Electric-Car

    2X Electric Vehicle Charging Points

    Phone-Transaction

    1 point = $1 spent

    Checkmark-Shield-2

    24/7 Fraud Protection

    NoMoney

    Zero Cash Advance or Foreign Transaction Fees

    Airplane-SideView

    Convenient Online Travel Reservations

    air-freight

    Travel Accident Insurance4

    Travel

    Lost Luggage & Baggage Delay Reimbursement

    *APR= Annual Percentage Rate.

    All Credit Cards: The current Wall Street Journal prime index rate is 7.50%. 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 | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum

    Visa Signature® Travel 4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 14.49% - 18.49% for business card holders. Variable Annual Percentage Rate (APR) will be 14.49% - 20.49% for consumers. Rates Effective as of January 25, 2025. 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.

Apply Now

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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.
Pricing comparison by plan, packages, and features
Visa Signature®
Travel4
Visa Signature® <br>Travel<sup>4</sup>
/yr
Visa Platinum®
Cash Back3
Visa Platinum®<br> Cash Back<sup>3</sup>
/yr
Visa
Platinum®2
Visa <br>Platinum®<sup>2</sup><br>
/yr
Visa Platinum®
Secured1
Visa Platinum® <br>Secured<sup>1</sup><br>
/yr
Unique Features
Introductory Rate Visa Signature®
Travel4 2.99% APR4 on purchases for first 12 months 		Visa Platinum®
Cash Back3 2.99% APR3 on purchases for first 12 months 		Visa
Platinum®2
 2.99% APR2 on purchases for first 12 months 		Visa Platinum®
Secured1
 2.99% APR1 on purchases for first 12 months
Fees Visa Signature®
Travel4 No Annual Fees* 		Visa Platinum®
Cash Back3 No Annual Fees* 		Visa
Platinum®2
 No Annual Fees* 		Visa Platinum®
Secured1
 No Annual Fees*
Minimum Limit Visa Signature®
Travel4 $5000 		Visa Platinum®
Cash Back3 $500 		Visa
Platinum®2
 $500 		Visa Platinum®
Secured1
 $250
Deposit Visa Signature®
Travel4 - 		Visa Platinum®
Cash Back3 - 		Visa
Platinum®2
 - 		Visa Platinum®
Secured1
 Requires Cash Security Deposit as Low as $250
Cash Back Visa Signature®
Travel4 Redeem points for cash back 		Visa Platinum®
Cash Back3 Quarterly cash-back deposit to your iQ account 		Visa
Platinum®2
 - 		Visa Platinum®
Secured1
 -
Shared Features
Low Rates* Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 Included 		Visa
Platinum®2
 Included 		Visa Platinum®
Secured1
 Included
Travel & Emergency Coverage5 Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 Included 		Visa
Platinum®2
 Included 		Visa Platinum®
Secured1
 Included
Zero Balance Transfer Fees Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 Included 		Visa
Platinum®2
 Included 		Visa Platinum®
Secured1
 Included
Digital Wallet Ready (Apple Pay, Samsung Pay, Google Pay) Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 Included 		Visa
Platinum®2
 Included 		Visa Platinum®
Secured1
 Included
Tap to Pay Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 Included 		Visa
Platinum®2
 Included 		Visa Platinum®
Secured1
 Included
Generous Grace Period for Payment Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 Included 		Visa
Platinum®2
 Included 		Visa Platinum®
Secured1
 Included
Optional Overdraft Protection Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 Included 		Visa
Platinum®2
 Included 		Visa Platinum®
Secured1
 Included
Rewards Points Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 -- 		Visa
Platinum®2
 -- 		Visa Platinum®
Secured1
 --
Zero Cash Advance Fees Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 -- 		Visa
Platinum®2
 -- 		Visa Platinum®
Secured1
 --
Zero Foreign Transaction Fees Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 -- 		Visa
Platinum®2
 -- 		Visa Platinum®
Secured1
 --
Lost Luggage & Baggage Delay Reimbursement Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 -- 		Visa
Platinum®2
 -- 		Visa Platinum®
Secured1
 --
Convenient Online Travel Reservations Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 -- 		Visa
Platinum®2
 -- 		Visa Platinum®
Secured1
 --
Auto Rental Insurance Visa Signature®
Travel4 Included 		Visa Platinum®
Cash Back3 -- 		Visa
Platinum®2
 -- 		Visa Platinum®
Secured1
 --

Apply Online

 

Visa Signature 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.

 

  • Airplane-TopView

    Travel

  • Brown-Vehicle

    Experiences

  • theme-park

    Theme Parks

  • concert

    Concerts

  • Bills-Coins

    Cash Back

  • gift-card (2)

    Gift Cards

  • card-payment

    Prepaid Cards

  • Handshake

    Charitable Donations

  • Travel

    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.

Existing iQ Card Holders Apply Now

Q1BalanceTransfer-(400 × 400 px)

Q1BalanceTransfer-(400 × 400 px)

Disclosures

  • *APR= Annual Percentage Rate.

    All Credit Cards: The current Wall Street Journal prime index rate is 7.50%. 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 | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum

  • Visa Platinum®2: After promotional period expires, Variable Annual Percentage Rate (APR) will be 11.49% - 21.49%. Rates Effective as of January 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 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  13.49% - 22.49%. Rates Effective as of January 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 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

  • Share Secured Visa Platinum®1: After promotional period expires, Variable Annual Percentage Rate (APR) will be 11.49% for consumers. Rates Effective as of January 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. 

  • Visa Signature® Travel 4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 14.49% - 18.49% for business card holders. Variable Annual Percentage Rate (APR) will be 14.49% - 20.49% for consumers. Rates Effective as of January 25, 2025. 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.

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

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

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.

Is tap-to-pay secure?

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.

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

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

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

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