A card that's
actually on your side.
No annual fee. Lines up to $20,000. Today’s rates are on the rate sheet. Others design cards to cost you money. We didn't.
Membership required. APR based on creditworthiness. Rates subject to change. Verify current rates with Vida FCU before applying.
Surcharge-Free ATMs
No ATM surcharge on the CO-OP network. A cash advance fee applies and interest accrues from the transaction date.
Annual Fee
No annual fee. Not now, not ever.
Credit Line Max
Platinum credit lines up to $20,000.
Day Grace Period
Pay in full monthly, pay zero interest on purchases.
Two cards.
No annual fee on either.
Pick the one that fits your situation. Both come with no annual fee, a 25-day grace period, and access to 30,000+ ATMs.
- No annual fee on either card
- 25-day grace period. Pay in full and pay zero interest on purchases
- ATM access at 30,000+ network locations
- Online account access and Verified by Visa protection
- Apply online, by phone, or in branch
- Same rate applies to purchases, balance transfers, and cash advances
Current starting APR for purchases, balance transfers, and cash advances is on the rate sheet. Based on creditworthiness.
Current starting APR for purchases, balance transfers, and cash advances is on the rate sheet. Based on creditworthiness. For those building, rebuilding, or starting credit.
Every card comes
with this.
No fine print surprises. This is what you get on day one.
No Annual Fee
You shouldn't have to pay to have a card. So you don't. Neither Classic nor Platinum charges an annual fee.
25-Day Grace Period
Pay your full balance by the due date and pay no interest on new purchases. Pay in full, pay no interest.
30,000+ ATMs
Use your Vida Visa card at over 30,000 ATM locations in the network. Your cash is accessible.
Online Account Access
Check your balance, pay your bill, manage your card online 24 hours a day. No branch visit required.
Verified by Visa
Register for Verified by Visa online protection. An extra layer of security on every purchase.
Member Support
Real people at a real branch in Ontario, CA. Questions about your card? Call us or come in.
The full fee
schedule.
Most card issuers bury their fees in 14 pages of agreement. We don't. Here's the entire fee list on one screen so you know exactly what you're getting.
Applies to both Visa Platinum and Visa Classic. Same fee schedule across both cards.
Verify all current fees and disclosures with Vida FCU before applying. Standard Visa cardholder agreement applies.
The stuff people ask first.
Which card should I pick?
If you qualify for Platinum, take it — the lower starting rate and the higher credit line (up to $20K). Classic is the right call for first-time cardholders or anyone building credit. Today's APRs are on the rate sheet.
Does the same APR apply to balance transfers and cash advances?
Yes. The APR is the same for purchases, balance transfers, and cash advances. No surprise rate hikes after a teaser period.
How does the 25-day grace period work?
If you pay your full statement balance by the due date, you pay zero interest on new purchases. Carry a balance and interest accrues from the purchase date.
What's the balance transfer fee?
2% of the transfer amount, with a $2 minimum and a $10 maximum. On a $1,000 transfer the fee is $10; on $5,000 it is still $10.
Can I use my card overseas?
Yes. The foreign transaction fee is 0.8%. Many major bank cards charge 3% or more on foreign purchases. For your safety please be sure to contact the CU and place a travel notice.
Do I have to be a member to apply?
No, you do not need to be a member to apply or be approved. Membership is required to receive funding once the card is approved. You can apply for both at the same time. Joining is free.
Ready to
apply?
Apply online in minutes or call us directly. No runaround. Just a card that works for you.
Ontario Branch: 1520 N. Palmetto Ave., Ontario, CA 91762