iQ Credit Cards

Discover the Right Card for your UniQue Needs

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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.

    Benefits:

    • No annual fees*
    • Earn 3x points for Travel and Dining
    • 2x points for Groceries, Gas, and EV Charging
    • 1x points on everything else.

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

    Apply Online

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Compare Card Features

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Compare our Cards

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

Visa Signature®
Travel4

Visa Signature® <br>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®<br> Cash Back<sup>3</sup>

/yr

Earn the most cash back

Unlimited 1.5% cash back on every purchase

Visa
Platinum®2

Visa <br>Platinum®<sup>2</sup><br>

/yr

Low rate, great features

Visa Platinum®
Secured1

Visa Platinum®  <br>Secured<sup>1</sup><br>

/yr

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 months2.99% APR3 on purchases for first 12 months2.99% APR2 on purchases for first 12 months2.99% 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 backQuarterly cash-back deposit to your iQ account--
Features Visa Signature®
Travel4
Visa Platinum®
Cash Back3
Visa
Platinum®2
Visa Platinum®
Secured1
Low Rates* CheckCheckCheckCheck
Travel & Emergency Coverage5 CheckCheckCheckCheck
Zero Balance Transfer Fees CheckCheckCheckCheck
Digital Wallet Ready (Apple Pay, Samsung Pay, Google Pay) CheckCheckCheckCheck
Generous Grace Period for Payment CheckCheckCheckCheck
Optional Overdraft Protection CheckCheckCheckCheck
Rewards Points Check
Zero Cash Advance Fees Check
Zero Foreign Transaction Fees Check
Lost Luggage & Baggage Delay Reimbursement Check
Convenient Online Travel Reservations Check
Auto Rental Insurance Check

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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

Disclosures

*APR= Annual Percentage Rate.

The current Wall Street Journal prime index rate is 8.50%. 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 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 12.49% for consumers. Rates Effective as of August 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: After promotional period expires, Variable Annual Percentage Rate (APR) will be 12.49% - 22.49%. Rates Effective as of August 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® Cash Back3  : After promotional period expires, Variable Annual Percentage Rate (APR) will be  14.49% - 23.49%. Rates Effective as of August 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 Cash Back Card Agreement

Visa Signature® Travel 4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 15.49% - 19.49% for business card holders. Variable Annual Percentage Rate (APR) will be 15.49% - 21.49% for consumers. Rates Effective as of August 25, 2023. 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.

Balance Transfer: Promotional APRs are between 1.99% to 13.99% based on creditworthiness. After 12-month promotional  period ends, rates will revert to the then-current APR (currently 12.49-23.49% as of 11/16/2023, 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 later than March 24, 2024. Visa Platinum and Visa Platinum Rewards cash advance fee is $5 or 2%  of the cash advance amount, whichever is greater. Visa Platinum and Visa Platinum Rewards have a 1% of U.S. Dollar equivalent transaction  fee for all transactions processed through a foreign merchant (including phone or online purchases). Balance transfers not eligible for any  type of credit card rewards. Terms subject to change without notice

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