Visa Credit Cards

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Introductory Rate on Our VISA Credit Cards.

For a limited time, our Transparent VISA card and our Platinum Rewards VISA card both offer a low introductory rate of just 3.90% APR1 on purchases, balance transfers and cash advances for the first six months your new Transparent or Platimum Rewards card account is open.2  After that your rate will be 9.24% APR for the Transparent card and 11.99% APR for the Platinum Rewards card. Make that purchase you've had your eye on, or transfer high-interest balances with no balance transfer fees and start saving today!

Once you say “yes” to a Truliant VISA credit card, get ready to hear “no” a lot. Our Transparent card features absolutely no fees of any kind. Our Platinum Rewards card features no annual fees, no balance transfer fees and no cash advance fees.

Enjoy great benefits with your Truliant VISA credit card.

Both cards feature VISA Purchase Alerts, a service where credit card holders sign up to receive text messages to help protect against unauthorized purchases.3

With great rates 100% of the time, no fees on the Transparent card, extra security against potential fraud, the convenience of paying with your phone, options for rewards and much more, our credit cards offer short-term solutions and long-term value. The application only takes a few minutes.


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(1) APR = Annual Percentage Rate. Rates and terms are subject to change. Loans are subject to credit approval. International exchange rates are 1% per transaction and apply to the Platinum Rewards card only. Visa® Transparent variable rate = Prime + 5.99%. Visa® Platinum Rewards variable rate = Prime + 8.74%. ​
(2) Promotional introductory rate of 3.90% APR applies to new Transparent accounts and new Platinum Rewards accounts. New accounts must be open prior to December 31, 2021 to be eligible for the promotional rate. Promotional rate is only applicable on purchases, balance transfers and cash advances for the first six months from the time the account is open. After that, the variable APR for the Transparent card will be 9.24% (Prime + 5.99%) and the variable APR for the Platinum Rewards card will be 11.99% (Prime + 8.74%). The APR for both cards will vary with the market based on the Prime Rate.

(3) Speak with a representative to learn more about opting-in for text alerts in branches or through Additional Services in Online Banking. Actual time to receive Alerts powered by Visa® dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for alert service may vary by issuer. Additional restrictions apply. Visa does not currently charge for use of the alert service; however, some cell phone carriers may charge fees to send or receive a text message. As a result, message and/or data rates may apply. Please check with your mobile carrier for more information on any applicable fees.

See our Introductory Rate Transparent Visa Card Agreement, our Introductory Rate Platinum Rewards Visa Card Agreement, our Transparent Visa Card Agreement, our Platinum Rewards Visa Card Agreement, our Transparent Visa Card Card Agreement (previously Classic Variable Rate) if open prior to 10.1.20, our Platinum Rewards Visa Card Agreement if open prior to 10.1.20, our discontinued Classic Visa Fixed Rate Card Agreement and our discontinued Platinum Visa Fixed Rate Card Agreement for additional information.