VISA Credit Cards®

Low-rate VISA® credit cards from your NEPA credit union

Life moves fast in NEPA, from daily errands and school runs to weekend trips and big life events. A Choice One VISA® credit card gives you a simple way to pay for all of it, backed by a local team that knows you, not just your account number.

Whether you’re looking for our lowest fixed rate or a straightforward card to help you manage everyday spending, our VISA® Platinum and Classic credit cards put real purchasing power in your wallet with no annual fee and competitive rates as low as 8.90% APR* for Platinum and 13.50% APR* for Classic.

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Two VISA® credit cards, one local partner

At Choice One, you don’t sift through a dozen confusing card offers. You pick the card that fits how you actually use credit:

VISA® Platinum Credit Card

Great if you tend to carry a balance or plan to use your card regularly.

• Low fixed rate: Rates as low as 8.90% APR* on purchases and cash advances, helping you keep more of your money working for you.
• Balance transfer rate: 0% APR* for 6 billing cycles.
• Ideal for consolidating higher-rate balances, financing larger purchases, or keeping a reliable card on hand for everyday use.

VISA® Classic Credit Card

A straightforward option if you prefer to keep things simple.

• Competitive fixed rate: Rates as low as 13.50% APR* on purchases and cash advances.
• Balance transfer rate: 0% APR* for 6 billing cycles.
• A solid choice if you want a dependable, no-frills credit card from a credit union you already trust.

Both cards come with the same great Choice One service, protection, and digital tools; you just choose the rate and structure that best match your needs.

Key features of a Choice One VISA® credit card

Every Choice One VISA® credit card includes:

• Introductory 0% APR* balance transfer offer: Enjoy 0% APR* for six billing cycles on qualifying balance transfers from other institutions, giving you breathing room to pay down debt faster.
• No balance transfer fee: Move your higher-rate balances without worrying about an extra transfer fee eating into your savings.
• No annual fee: Keep your card for everyday spending, emergencies, and travel without paying to simply keep the account open.
• 25-day interest-free grace period on purchases: Pay your statement balance in full by the due date and you won’t be charged interest on new purchases during the grace period.
• Worldwide purchasing power: Use your card virtually anywhere VISA® is accepted; across town, across the country, or across the globe.
• Worldwide cash advance option: If you need cash in a pinch, you can access funds wherever VISA® cash advances are available.
• UChoose Rewards®: Earn points on eligible purchases and redeem them for merchandise, travel, gift cards, experiences, and more through our uChoose Credit Card Rewards® program.
• CardHub®: Lock or unlock your card, set alerts and spending limits, create travel notices, and quickly report a card lost or stolen, all from the Choice One mobile app.

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Transfer high-rate balances and start saving sooner

If you’re carrying balances on credit cards with interest rates in the high teens or higher, moving them to a Choice One VISA® credit card can help you get ahead.

• 0% APR* on balance transfers for six billing cycles gives you time to make real progress on principal instead of watching interest add up.
• After the intro period, your rate converts to our regular low fixed rate (currently as low as 8.90% APR* Platinum and 13.50% APR* Classic, depending on the card and your credit).
• No balance transfer fee and no annual fee mean more of your payment goes toward reducing what you owe, not paying extra charges.

You can request a balance transfer when you apply, or transfer to an existing Choice One VISA® credit card within online banking or the Choice One mobile app.

Manage your VISA® credit card on the go

We’ve simplified how you manage your Choice One VISA® credit card. Your card is now fully integrated into online banking, so you can:

• View your credit card transactions and current balance
• Check available credit
• Review statements
• Make one-time payments or schedule recurring payments from your Choice One accounts
• Initiate a balance transfer
• Access CardHub® for a full command center over your card

Everything is in one place, behind the same secure login you already use for your accounts, so you’re not juggling multiple websites or passwords.

If you’re already an online banking user, just sign in and navigate to your credit card from your dashboard. If you’re new to online banking, you can enroll in a few simple steps and start managing your VISA® credit card 24/7.

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Is a Choice One VISA® credit card a good fit for you?

A Choice One VISA® might make sense if you:

• Want a low-rate, no-annual-fee card for everyday purchases and unexpected expenses
• Are looking to consolidate higher-rate credit cards into one payment with a 0% APR* introductory balance transfer period
• Prefer working with a local NEPA credit union that’s focused on helping members succeed, not on maximizing fees
• Appreciate earning rewards points on eligible purchases through uChoose Rewards®

If that sounds like you, a Choice One VISA® credit card could be a smart next step.

How to apply

Getting started is simple:

1. Apply online: Use the “Apply Now” button on this page to complete a secure online application any time, day or night.
2. Visit a branch: prefer to talk it through in person? Stop by any Choice One branch and we’ll walk you through your options and the application.
3. Have questions first? Contact us and a Choice One team member will help you decide which card fits your needs and explain what to expect during the application process.

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Frequently asked questions

What’s the difference between the VISA® Platinum and Classic credit cards?

Platinum offers our lowest fixed APR*, making it ideal if you tend to carry a balance or want to pay off transferred balances faster. Classic still features a competitive fixed APR* at a slightly higher rate, giving you a straightforward, no-annual-fee card backed by the same Choice One service.

How does the 0% APR* balance transfer offer work?

When you transfer qualifying balances from other lenders to your Choice One VISA® credit card, you’ll receive a special 0% APR* on those transferred balances for six billing cycles. After that period, any remaining transferred balance will be charged at your regular card APR.*

Is there a fee to transfer a balance?

No. Choice One does not charge a balance transfer fee on this offer, which helps you maximize your savings.

Do the cards have an annual fee?

No. Both the VISA® Platinum and Classic credit cards come with no annual fee, so you’re not paying just to keep your card open.

Can I earn rewards on my purchases?

Yes. Eligible purchases earn points through uChoose Rewards®, which you can redeem for merchandise, travel, gift cards, events, and more. You can even combine points from your credit card and debit card to reach rewards faster.

How do I see the most current rates and terms?

For the latest rate information and details on terms and conditions, visit the VISA® Credit Card Rates page and review the VISA® Credit Card Agreement and Summary of Terms linked from this page (below).

*0% VISA Balance Transfer Rate is valid for 6 billing cycles from date of transfer. Rate returns to current rate at that time. Choice One’s current Platinum Visa Credit Card Rate is 8.90% APR and Classic Visa Card is 13.50% APR with No Balance Transfer or Annual Fee. Balance Transfer offer is good on any new or existing Choice One Platinum or Classic Credit Card. 0% balance transfer rate is for balances transferred from another institution only. Transfers may not exceed the credit line a member is approved for.​