iQ Offers Credit Cards with Platinum Features

If you've been looking for a better credit card, you just found it. At iQ, you can get the Visa Platinum Credit Card with a super low rate, plus cash! 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% cash back on every purchase (with Visa Platinum Rewards)
  • Enhanced security features with EMV chip technology
  • Instant issue credit cards available in retail branches

*The variable APR for Visa Platinum is 7.24% - 17.24% and is based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions are subject to change at any time without notice. Rate is current as of 3/25/2020. No annual fee. No balance transfer fee.

*The variable APR for Visa Platinum Rewards is 9.24% - 18.24% and is based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions are subject to change at any time without notice. Rate is current as of 3/25/2020. No annual fee. No balance transfer fee.

Visa Platinum & Rewards

1% Cash Back on all Purchases Automatically Deposited to Your Account

*Visa Platinum Rewards Only

No Annual Fee*

Generous Grace Period for Payment

No Interest on Purchases if Paid in Full by the Due Date

24/7 Fraud Protection

Travel Accident Insurance

Auto Rental Insurance

Travel & Emergency Coverage

Warranty Manager Services

Convenient Loan Signings Using DocuSign

Eligible for Debt Protection Insurance

Get Your Card Today in Any Branch

Pay your balance down faster with an iQ Visa balance transfer

Use your iQ credit card for balance transfers to consolidate debt, lower your interest rate, or make fewer monthly payments.

  • No balance transfer fees. Unlike other credit card companies, iQ does not charge a fee for balance transfer, so you can put more of your money toward paying down your balance.
  • No annual fee*. iQ Platinum Visa credit cards have no annual fees, so they are perfect for paying down debt.
  • Simplify your financial life. You'll have just one card to keep track of and one payment to make each month.

Request a balance transfer initiation

Lost or Stolen Credit Card? We Got You Covered

Get a replacement card (on the spot) at any of our branches. Stop by and report and walk out the door with your new card in hand.


Budgeting Checklist

Be smart with your money and your credit. Download iQ's Budgeting Checklist, your convenient guide to establishing and maintaining a budget, to begin your journey to financial success.

Download Checklist


Financial Survival Guide

Handle your credit like a pro. Download iQ's Financial Survival Guide to learn why credit is important, how to use credit responsibly, and how to monitor your score.

Download Guide


Get a Fresh Start with Debt Consolidation

Searching for ways to pay off your debt quickly and easily? Download iQ's Debt Consolidation E-Book to learn how you can attain financial freedom.

Download Guide

See what our customers have to say

"Opening an iQ Credit Card during a balance transfer promotion has completely changed my financial picture. Not only did I save a ton in interest, I am cutting off five monthly payments and saving hundreds of dollars!”"

Tara A.

"Switching to an iQ credit card not only cut down my monthly payments, but also saved me thousands of dollars in interest and seven months of payments! It’s great to be able to consolidate to one monthly payment instead of four!”"


"After transferring my balances to an iQ Credit Card, this may finally be my last year working! I’ve saveda year’s worth of payments and thousands in interest alone. iQ has always been so good to us!"

Joanne S. - member since 2010

"I’ve had a great experience with iQ Credit Union and am very happy with their credit card!"

Charlotte S. - member since 2018

"I was amazed at how quickly my questions were answered and the entire process was unbelievablyfast. I am beyond pleased with iQ’s customer service and products."

Kimberly H. - member since 2018

"I was very impressed with the service I received, and I felt very taken care of. iQ has great customer service!"

Christine A. - member since 2012

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William Jones


William Jones


William Jones


William Jones


Credit Card FAQs

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 360-695-3441 or 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.