iQ 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

Featured

Credit Cards

Get low fees, security, perks, benefits, and more with one of iQ's featured credit cards. Click the tabs below for more information.

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    Visa Signature® Travel | Rewards Card

    Travel further with even more rewards

    With our Signature® Travel card, every dollar you spend will earn you bonus points—redeemable for exciting rewards or cashback inside your online banking extra points for travel and dining expenses.

    Enjoy zero cash advance or foreign transaction fees and you can link the card to your checking account for overdraft protection—just in case. Cards can be managed inside online banking so you can turn them off and on, report them lost or stolen, and set travel notifications so your card is ready wherever you go.

    For the first six months with your new card, take advantage of our promotional rate of Enjoy 2.99% annual percentage rate (APR) on all new purchases. Plus, if you spend $3,000 in the first 90 days, we’ll give you an extra 25,000 bonus points—because we like to spoil our members!

    Disclosure for Visa Signature Rewards available here.

    *Approval is subject to qualification for iQ membership, creditworthiness and underwriting standards. Programs, rates, terms, and conditions subject to change at any time without notice.  After promotional period expires, variable annual percentage rate (APR) will be 11.74% -15.74% for business card holders and 11.74% - 17.74% for consumers. Qualification based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions subject to change at any time without notice. Rate current as of June 25, 2022. $0 introductory annual fee for first year, then $49 per year.

    1Visa Signature guide to benefits available by clicking here.

  • iQ2021-Visa-PlatinumRewards-Card-Graphic-min

    Visa® Cash Back | Platinum Rewards Card

    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% cash back on every purchase (with Visa Platinum Rewards)
    • Enhanced security features with EMV chip technology
    • Instant issue credit cards available in retail branches

    Disclosure for Visa Platinum rewards available here. 

    Approval is subject to qualification for iQ membership, creditworthiness and underwriting standards. Programs, rates, terms, and conditions subject to change at any time without notice.  Visa Platinum® Rewards*: Variable Annual Percentage Rate (APR) is 10.74% - 19.74%. Qualification based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions subject to change at any time without notice. Rates current as of June 25, 2022. 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.

  • iQCU-Visa-Platinum-Card-Graphic

    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

    Disclosure for Visa Platinum available here.

    *Variable Annual Percentage Rate (APR) is 8.74% - 18.74%. Qualification based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions subject to change at any time without notice. Rates current as of June 25, 2022. 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.

  • SharedSecure Visa-image-min

    Visa® Secured

    Build or Repair Credit with a Secured Card

    The Secured Visa Platinum®operates like an ordinary credit card but requires a cash security deposit as low as $500. It’s a great way to build credit or re-establish credit history.

    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

    *Disclosure for  Shared Secure Visa Platinum available here.  Approval is subject to qualification for iQ membership, creditworthiness, and underwriting standards. Programs, rates, terms, and conditions are subject to change at any time without notice. 

    Variable annual percentage rate (APR) will be 8.74% for consumers. Qualification based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions subject to change at any time without notice. Rates current as of June 25, 2022. 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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Card Features

Find the perfect benefits for you

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

Visa Signature® Rewards4

Visa Signature® Rewards<sup>4</sup>

/yr

Earn travel rewards

$1 = 1 point earned, plus more on travel and dining

Visa Platinum® Rewards3

Visa Platinum® Rewards<sup>3</sup>

/yr

Earn the most cash back

Visa Platinum®2

Visa Platinum®<sup>2</sup><br></br>

/yr

Low rate, great features

Secured Visa Platinum®1

Secured Visa Platinum®<sup>1</sup>

/yr

Get on the right trail

Great for building or repairing credit
Unique Features
Introductory Rate
Enjoy 2.99% APR**on the first 6 months of purchases
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Fees
Low Annual Fees*
No Annual Fees*
No Annual Fees*
No Annual Fees*
Minimum Limit
$5000
$500
$500
$500
Deposit
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Requires Cash Security Deposit as Low as $500
Cash Back
Need to redeem points for cash back
Unlimited 1% cash back on every purchase
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Shared Features
Low Rates*
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Travel & Emergency Coverage5
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Zero Balance Transfer Fees
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Digital Wallet Ready (Apple Pay, Samsung Pay, Google Pay)
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Generous Grace Period for Payment
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Optional Overdraft Protection
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Rewards Points
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Zero Cash Advance Fees
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Zero Foreign Transaction Fees
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Lost Luggage & Baggage Delay Reimbursement
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Convenient Online Travel Reservations
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Auto Rental Insurance
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Apply Online

1Disclosure for Share Secured Visa Platinum is available here. | 2Disclosure for Visa Platinum is available here.  | 3Disclosure for Visa Platinum Rewards is available here. | 4Disclosure for Visa Signature Rewards is available here.  | 5Travel & Emergency Services details are available here.

*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.

Share Secured Visa Platinum®1:Variable annual percentage rate (APR) will be 8.74% for consumers. Qualification based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions subject to change at any time without notice. Rates current as of June 25, 2022. 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 8.74% - 18.74%. Qualification based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions subject to change at any time without notice. Rates current as of June 25, 2022. 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® Rewards3: Variable Annual Percentage Rate (APR) is 10.74% - 19.74%. Qualification based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions subject to change at any time without notice. Rates current as of June 25, 2022. 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® Rewards4: *Annual Percentage Rate. After promotional period expires, variable annual percentage rate (APR) will be 11.74% -15.74% for business card holders and 11.74% - 17.74% for consumers. Qualification based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions subject to change at any time without notice. Rate current as of June 25, 2022. $0 introductory annual fee for first year, then $49 per year.

Credit Cards - Rates Effective as of June 25, 2022

Loan Type APR for Purchases APR for Cash Advances Title-Date More Info
Visa Platinum 8.74% - 18.74% 8.74% - 18.74%
Visa Platinum Rewards 10.74% - 19.74% 10.74% - 19.74%
Visa Signature Rewards 11.74% - 17.74% 11.74% -17.74%
Share Secured Visa Platinum 8.74% 8.74%

* APR = Annual Percentage Rate. The current Wall Street Journal prime index rate is 4.75%. 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. Share Secured Visa Platinum InformationVisa Platinum Information | Visa Platinum Rewards Information | Visa Signature Rewards Information

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 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. 

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.