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Credit Card

Low rates and great rewards!

Credit Card

EdFed Rewards Visa Credit Card

Benefits Include:

  • $200 Cash Back1 when you make $1,000 in purchases within 90 days of card issuance
  • Save money with $0 in Balance Transfer fees2
  • Intro rate as low as 2.99%3 for 6 months (after intro period, a variable APR of 14.50% to 18.00% will apply, based on creditworthiness)
  • No annual fee2
  • Low monthly minimum payment (2.50% of your balance or $25, whichever is greater)
  • Automatic enrollment in our EdFed Rewards program — earn 1 point for every $1 spent using your credit card4
  • No Cash advance fees on advances made in person or via EdFed 24/SEVEN2
  • Same low interest rate for both cash advances and purchases5
  • Cash withdrawals from ATMs available worldwide
  • Balance transfers to consolidate your debt from higher-rate credit cards
  • Smart-chip technology for added security
  • Real-time fraud monitoring to alert you to unusual activity 24/7, 365 days a year
  • Visa's Zero Liability Policy means you are not responsible for fraudulent purchases made with your card
  • Visa's Account Updater service

Additional Benefits Include:

The EdFed Rewards Visa Credit Card costs you less and offers you the most value. Check out these every day, money-saving cardholder benefits4:

EdFed Rewards Visa® Credit Card

EdFed Rewards VISA Credit Card

Destroy those higher interest rate credit cards and acquire an EdFed no annual service fee credit card with great benefits. For members with special credit needs, a Visa Rewards Secured Credit Card is available. It is the perfect fit for those wishing to establish or rebuild their credit. A Visa Rewards Secured Credit Card offers all the same fantastic benefits as our conventional credit card, but your card limit is secured by your savings account.

The EdFed Rewards Visa Credit Card is an exclusive, members-only card that awards one point for every $1 you spend. Unlike other rewards cards that make you choose between great rewards or low rates, our EdFed Rewards Visa Credit Card gives you fantastic rewards AND a great low rate! Plus, there's no annual fee2!

1 Offer good on all new credit cards opened between 01/02/25 and 03/31/25. To receive the $200 cash-back incentive, you must make $1,000 in purchases within 90 days of card issuance. Returns, cash advances, and balance transfers do not count toward the required $1,000 purchase total. Cash will be provided as a $200 credit applied to the primary borrower's Prime Share within 100 days of credit card account opening.

2 As of 10/28/2024, Annual Percentage Rate (APR) ranges from 14.50% to 18.00%. The APR will vary with the market based on the Prime Rate. Eligibility for the lowest rate and loan approval are based on creditworthiness, the ability to repay, and your credit score.

3 APR = Annual Percentage Rate. All loans are subject to approval and are granted based on individual credit worthiness, ability to repay and credit score. The Introductory APRs range from 2.99%–13.75% for 6 months/183 days from account opening, based on creditworthiness, on all cash advances and balance transfers to new and existing EdFed Visa Rewards Credit Card cardholders during the promotional period. To receive the discounted rate on cash advances and transferred balances, new credit card applications must be received by 03/31/2025 and the transfer(s) and cash advances on EdFed Visa credit cards must take place between 01/02/2025 and 04/19/2025. Cash Advances and transferred balances will accrue interest at the introductory rate for 183 days from the card opening date or 01/02/2025, whichever is later. After 183 days from the card opening date or 01/02/2025, whichever is later, the rate will adjust to the standard cash advance and balance transfer rate, currently 14.50% APR to 18.00% APR, and are subject to change. The APR is a variable rate and is based on the Wall Street Journal Prime Rate (Index), plus a margin. Membership eligibility applies.

4 In order to redeem bonus points, you must enroll in the EdFed Rewards program at www.edfedrewards.org. Unredeemed points expire three years from the month of issuance.

5 Eligibility for the lowest Credit Union rates and loan approval is based on creditworthiness, the ability to repay, and your credit score.

6 Certain restrictions apply. Please read full disclosures for coverage details of EdFed Rewards Visa Credit Card cardholder benefits.

VISA® Account Updater

VISA® Account Updater service provides you with an easier transition when your EdFed Rewards Visa® Debit Card or Credit Card expires or is replaced. In partnership with EdFed, Visa automatically provides your new card number and/or expiration date to participating merchants who have stored your card number for recurring and automatic payments. Although not all merchants participate in Visa Account Updater, this secure service helps you avoid declined payments and unexpected service interruptions when your card information changes.

All EdFed cardholders are automatically enrolled in Visa® Account Updater. You can opt out of this service by contacting our Card Services department.

VISA® Checkout

Do you love to shop online but hate the headaches when it's time to pay? Then Visa Checkout, Visa's new digital payment service, can help you through the purchasing process. You can use it anywhere Visa Checkout is accepted and avoid entering your card and shipping details every time. All you need is your VISA® Checkout login to pay!