Low-Rate Visa

0 percent on balance transfers and purchases

0% APR for the first 6 months on
 purchases and balance transfers 
with a New Visa Low-Rate Card.

Our lowest-rate Visa card

A Low-Rate Visa card from Cyprus Credit Union is designed with your needs in mind, providing security and convenience at a competitive low rate with no hidden fees. This low-interest credit card is a great choice if you carry a balance month to month or need a card for everyday purchases. Accepted at ATMs and merchants worldwide.

Apply online, call 801-260-7700 or visit any of our branch locations.

 

Apply Now  Balance Transfer

 

Home Banking

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cardWhat Do You Get with a New Low-Rate Visa?

    With a low-rate Visa, you can save money on interest charges and pay down debt more easily while building your credit. Get a new low-interest Visa credit card today and enjoy these great benefits:

    • No Fees. No annual fees, no transaction fees, no balance transfer fees, and no minimum finance charges.
    • Protected by eGuard 3-D Secure technology
    • Free Verified by Visa fraud protection
    • 24-hour online account access on Home Banking and the Mobile Banking app
    • No penalty APR
    • 25-day grace period on purchases
    • Billing dispute resolution
    • Easy-access cash advances
    • Auto rental collision coverage
    • Roadside Dispatch
    • Emergency card/cash disbursement
    • Lost or stolen card reporting
    • Choice of Card Designs

    Visa Terms

     

    Ready to Get a New Card?

     

    Click below to apply or call our Lending Team at 801-260-7700.

     

     

    Apply Now  Balance Transfer

     

    FAQs

    What is a low-interest Visa credit card? 

    A low-rate Visa is a cheap-interest credit card that typically has a lower APR than other cards, so less interest is charged on unpaid balances. They’re a great option if you’re looking for the cheapest rate on a credit card to save on purchases. 

    How does the approval process work?

    Upon completing your application, your creditworthiness will be determined by individual measures, including income, credit history, debt ratio, credit mix, and credit utilization. 

    What are the credit limits on a new card? 

    Credit limits for our low-rate Visa cards differ by applicant and are based on creditworthiness factors like income and credit history. 

    Why should I get a low-interest credit union credit card? 

    Getting a credit card through a credit union can get you lower fees and interest rates compared to big banks. Plus, you get access to Cyprus Credit Union’s educational resources to help you manage spending. 

    What is Auto Rental Collision Coverage?

    When you use your Rewards Visa Card to rent a vehicle, you’ll get built-in Auto Rental Collision Damage Waiver coverage. Auto Rental Collision Damage Waiver will reimburse you for damages caused by collision or theft up to the actual cash value of most rental cars. For more information, go to www.eclaimsline.com or call 1-800-348-8472.

    How does Roadside Dispatch work?

    Roadside Dispatch is a pay-per-use roadside assistance program available 24/7. If you need a tow truck or locksmith, call 1-800-847-2869 for assistance. 

    Rewards Visa

    APR as low as 13.74%

    Rewards Visa

    • Earn one point for every dollar you spend
    • Redeem for gift cards, travel, merchandise & more

    Special Offer:

    10,000 bonus points with new card when you spend $1,000 in the first 90 days

    Cash Back Visa

    APR as low as 16.74%

    Cash Back Visa

    • 1.5% cash back on all purchases 
    • Paid quarterly and automatically deposited to your savings account 

    Low-Rate Visa

    APR as low as 11.24%

    Low-Rate Visa

    • Lowest interest rate
    • Great for debt consolidation

    Special Offer:

    0% APR for the first 6 months on purchases and balance transfers with a new Low-Rate card

     

    The products and services on this page are offered through LPL Financial or its affiliates by Registered Representatives of LPL Financial. These products and services are not credit union deposits, not credit union guaranteed, not insured by NCUA or any other government agency, and may lose value. Cyprus Credit Union is a separate entity and is not affiliated with LPL Financial.
    Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the Cyprus Credit Union web site.

    The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

    If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
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