Mastercard Credit Cards

Bring more flexibility to your finances with a Viriva Mastercard.® Make purchases for travel, everyday necessities, and more. All of our programs have a low introductory rate for six months. Take advantage of the low rate by transferring a high-interest rate credit card balance to your Viriva Mastercard.® 

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 credit card program to fit your interests. Whether you are looking to earn better rewards on your everyday purchases or establish or rebuild credit, we have the right credit card option for you.

Enjoy the following program features.

  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • 25 day grace period for purchases
  • Low monthly payment – 3% of the outstanding balance or $25

Access all your Viriva accounts in one place within It'sMe247.

  • Review account activities online or on the app
  • Check balances
  • Make payments 
  • Turn your card on and off with the Manage My Cards feature

Viriva and Mastercard got you covered.

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. If you can’t pay your balance each month, you want to look closely at the APR. Perhaps your goal is to establish good credit or rebuild credit. Then a secured credit card will be a good option for you.


No matter which card you choose, all of our programs have a low introductory rate for six months, convenient account access, and Mastercard Benefits.

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 and offer very low competitive rates, so our members can save more. 

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 keyword 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-interest rate credit cards to your Viriva Low Rate Credit Card and start saving today. There is no fee to transfer a balance. Learn More about our Low Rate Credit Card program. 


Ready to make a transfer? Get Started Here or Connect with a lending expert.

What is a cash advance, and how do I make one?

A cash advance allows you to borrow money against your credit card line of credit. It is an easy way to get money fast; however, some credit card companies charge hefty fees for this convenience! Luckily for Viriva credit cardholders, we do not charge cash advance fees, and your standard interest rate applies.


Members can get a cash advance in a few different ways.

  • Visit an ATM if you have a PIN for your credit card.
  • Visit a Viriva branch in person.
  • Call Us and request a check.
  • Transfer the funds within It'sMe247 Online or Mobile Banking into your checking account. Here's How
What is the difference between a credit card and a debit card?

A credit card is an open-end loan. Until you reach your limit, you can continue buying and paying 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; therefore, 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 stores and online retailers like a credit card. The main difference is it works like a check, and you are limited by the amount of money in your checking or savings account.