Credit Cards

Master Your Credit with the Right Credit Card Program

Credit cards can be a powerful financial tool if used wisely. It can help you establish credit, provide convenience, help you manage your money efficiently, and earn you rewards. We can help you find the right platinum credit card program to fit your interests. Whether you are looking to earn better rewards on your everyday purchases or you need to establish or rebuild credit, we have the right credit card option for you.

Frequently Asked Questions

How do I know which credit card is right for me?

Finding the right credit card starts with knowing your goals and how you plan to use the card. Which features matter most to you? If you plan to pay off your balance each month, the Annual Percentage Rate (APR) won’t be as important to you, but a grace period and good rewards program might be. If you can’t pay your balance each month, you do want to look closely at the APR. Perhaps your goal is to establish good credit, or rebuild credit; a secured credit card will be a good option for you. Review and compare competitive credit card programs here to see how our program stacks up to other major bank programs.

What does APR mean?

APR stands for Annual Percentage Rate. A credit card's interest rate is the price you pay for borrowing money. For credit cards, the interest rates are typically stated as a yearly rate. This is different than an Annual Fee, which some credit card programs charge in addition to the APR. For most cards, you can avoid paying any interest if you pay your balance each month. All of our credit cards offer No Annual Fees, so you won’t be paying those either when you choose a Mastercard Platinum Credit Card program at Viriva.

How can I learn more about managing my credit with a credit card?

At Viriva, we care about your financial wellness. That’s why we’ve partnered with industry-leading Balance to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. Visit Our Balance Website to find a plethora of articles, webinars, tips, and more. Enter the key word 'Credit Cards' in the search tool to filter by topic.  

Can I transfer the balance on my current credit card?

Yes! You can transfer balances from your high rate credit cards to a Viriva Low Rate Credit Card and start saving today. We offer low balance transfer fees. Learn More about our Low Rate Credit Card program. 

Ready to make a transfer? Download a balance transfer form, or Connect with our lending department.

What is the difference between a credit card and a debit card?

A credit card is like an open-end loan. Until you reach your limit, you can continue buying and pay only at your minimum payment. Each month you will be charged interest, like a loan. If you make just the minimum payment each month, interest can drag out repayment for several years, so credit cards must be managed wisely.

A debit card (also known as a check or cash card) looks like a credit card, and can be used at retailers and online like a credit card. The main difference is it works like a check and you are limited by the amount of money that is in your checking account.


Program Features:

  • No annual fee
  • 25 day grace period for purchases
  • Low monthly payment – 3% of the outstanding
    balance or $25
  • Review account activities, check balances, and
    make payments within It’sMe247 Online Banking
    anytime and anywhere you have an 
    Internet connection
  • Low balance transfer fee
  • Worldwide acceptance
  • Mastercard’s zero liability policy