Low-Interest Credit Cards
No application fees. Quick Turnarounds. Instant Issuing.
Discover true financial partnership with RMCU's low-rate Visa options. As a member-owned institution, our profits return to you through lower interest rates and fewer fees, making our credit cards unbeatable deals.
Choose between our Visa Platinum Rewards Card and Visa Classic Credit Card – both offering competitive low APRs without the big bank markups. The application process requires no fees and is effortless: complete our one-page form, receive approval within 24 hours, and get instant card issuing at any branch.
Compare Low-Rate Visa Credit Cards
| VISA Platinum Rewards Card | VISA Classic Card | |
|---|---|---|
| Rate: |
As Low as 12.24% APR Variable |
As Low as 15.99% APR |
| Annual Fee: | None | None |
| Balance Transfer and Cash Advance Fee: |
2% (min $2.50) |
None |
| Balance Transfer and Cash Advance Rate: |
As Low as 12.24% APR Variable |
As low as 15.99% APR |
| Benefits: |
Low variable rate, cash back on every dollar you spend |
Low fixed rate, no balance transfer fee and no cash advance fee |
APR as of March 1, 2025. The rate is variable and subject to change. Some restrictions apply. On approved credit. Must qualify for membership. Each account is privately insured up to $250,000 by American Share Insurance. By members’ choice, this institution is not federally insured.
Start Your Application
Get a clear picture of your credit score
SavvyMoney is a free credit score monitoring tool for all Rocky Mountain Credit Union members. Learn your current credit score, get personalized tips on improving it, and get alerts to any changes in your credit score.
FAQs About Our Visa Credit Cards
Can I make my credit card payments online?
You can! Simply log on to online banking or the RMCU mobile app, go to “Move Money,” select “Payments and Transfers,” and transfer money from your savings or checking account to your credit card. If you would like to make your Visa payment from another Institution, log into your online banking, click “Access your RMCU Visa,” and then click “Make a Payment.”
Does my RMCU Visa credit card offer insurance for rental cars?
No, it does not.
There are charges on my credit card I don’t recognize. What do I do?
To report an unrecognized charge, call the credit union during business hours at 406.586.1505 or, after hours, call 833.277.9333. A representative will help you with your inquiry.
What do I do if my RMCU Visa credit card is lost or stolen?
If your RMCU Visa credit card is lost or stolen, please call 406.586.1505 or after hours 833.277.9333
When is my payment due?
Visa payments are due on the 26th of each month.
Learn More About Credit Cards
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